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Gulnaz S. is a 46 year-old woman who has a primary education. She is from Nagorno-Karabakh but fled with her family to Bilasuvar at the beginning of the 1990s. Now she lives with her family in a small settlement built for refugee families. Gulnaz is married and has a 25 year-old son and a 23 year-old daughter. Her husband and children help her in the cattle-breeding business which she started in 2007. Now the family's monthly income is on average 250 AZN. This is her first loan with Aqroinvest and Kiva 1000 AZN which she used to buy three cows. Now she has six cows. After she repays this loan she plans to apply for more loans to expand her business. Her goal is to have thirteen cows.

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
  • 45
    View loans »
    Azerbaijan Loans Fundraising
  • $13,976,150
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Gulnaz to buy three cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 7, 2010
Jan 1, 2011
Currency Exchange Loss:
Nov 15, 2011