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Arif K. is 53 years old. He is married, with two children: a 20-year old daughter who is a university student and a 19-year old son, also a university student, who helps his father with the work. Arif is an Internally Displaced Person; he is a refugee from the Fuzuli Region and now lives in the village of Dilagar, Fuzuli Region, together with his family.

Arif has been raising cattle for two years. He learned this work from his uncle. This is already a second loan for Arif. He took out a loan of $1200 in the past and is very grateful to lenders for that loan. After the first loan he was able to grow his business, after which he decided to switch to a more profitable occupation. Now, as you can see on the photo, he raises cattle. At present he needs 2000 AZN in order to buy a cow for his new line of business.
View original language description ↓
Arif K. 53 qoda. On jenat i imeyet 2 detey, doch kotoroy 20 let ona uchitsya v universitete i sin 19 let kotoriy toje uchitsya v universitete i pomoqayet otcu po rabote. Arif yavlyayetsya IDP personom on pereselenec iz Fuzuli regiona i seychas projivayet v Fuzuli regione, pasolok Dilagar vmeste s semyoy.

Arif uje 2 qoda kak zanimayestya etim biznessom skotovodstva. Etomu biznessu yeqo nauchil dyadya. Eto uje vtoroy ssud Arifa v pervuyu ssudu on bral 1200$, on ochen blaqodaren lenderam za ssudu. Posle etoy ssudi on razvil svoy bizness posle cheqo on reshil izmenit svoy bizness na bolee pribilniy , i seychas kak vidite na fotoqrafii on zanimayetsya skotovodstvom. Seychas on nujdayetsya v 2000 AZN chtobi kupit korovi dlya razvitiya svoyeqo novoqo biznessa.

Additional Information

About Komak

Komak means “help” in Azerbaijani. As of its creation in 1999, Komak has kept true to its name by helping thousands of Internally Displaced Persons, refugees and the economically disadvantaged by providing these groups with sustainable credit services. As of 2010 Komak’s $2.5 million portfolio serves 1513 clients, 81% of whom are IDPs, and 40% of borrowers are women. In 2009, Komak was cited in a report by the United Nations General Assembly as one of Azerbaijan's prominent forces in restoring the local economy by enabling small and medium enterprises with credit. For more on Komak, please join our lending team, Friends of Komak Credit Union.

About Azerbaijan

  • $10,800
    Average annual income
  • 29
    View loans »
    Azerbaijan Loans Fundraising
  • $14,345,975
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,500 helped Arif purchasing a cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 15, 2010
Oct 19, 2010
Currency Exchange Loss:
Apr 15, 2012