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Gulzar A. is a loving mother of four sons. She dedicated her life to her children and after they grew up, when the eldest son was 34, she decided to start her own business. Gulzar loved flowers from childhood and has a huge garden where she raises her flowers. She knows everything about flora, how to raise, how to water and other methods to keep her flowers blossoming.

When she was left alone with her small pension, she started selling different flower roots to neighbors and relatives, and after time it became so popular that Gulzar started raising different sorts of flowers in her front room in separate pots. Now she is two years in this business and she is very happy that she can earn from what she enjoys.

Gulzar applied for a loan to purchase more seeds and flowerpots to raise her beautiful flowers, and she hopes she can increase her monthly turnover with this loan.

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
  • 12
    View loans »
    Azerbaijan Loans Fundraising
  • $13,919,450
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,525 helped Gulzar purchase seeds and flowerpots.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 28, 2011
Mar 31, 2011
Currency Exchange Loss:
Apr 15, 2012