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Zefer M. is a 42-year-old man who breeds livestock in the small village of Saatli city. Zefer has been breeding cows for the last 20 years. He uses the milk from the cows for his personal use and also sells the cattle for meat.

He is married and doing everything to make his wife happy as well as his two adorable daughters. Zefer applied for a loan of 1,000 AZN to purchase three calves and fodder.

Additional Information

About Aqroinvest

Aqroinvest Credit Union was founded by a group of 32 Imishli farmers in 2001, and has grown to become one of the largest credit unions in Azerbaijan. It boasts a portfolio of nearly $5 million and is wholly owned by its more than 3,500 borrowers, as of December 2011.

You can join Aqroinvest's Kiva lending team, Aqroinvest Dostları (Friends of Aqroinvest), and become a fan of the organization on Facebook here.

About Azerbaijan

  • $6,171
    Average annual income
  • 14
    View loans »
    Azerbaijan Loans Fundraising
  • $13,995,725
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Zefer to purchase three calves and fodder.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 9, 2010
Apr 25, 2010
Currency Exchange Loss:
Apr 30, 2011