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Valida is a 52-year-old married woman. She and her husband have four children.

To earn a living, she is a market vendor and farmer. She sells different kinds of foods and drinks, including rice, macaroni, sugar, beverages, and seasonal fruits and vegetables. Difficult living conditions and a low pension pushed her to start her business many years ago. She explains that she has 12 years of experience in selling food and is a very experienced vendor. Products she sells are very popular, and her customers use these products in their daily lives. Valida's monthly income is approximately 320 AZN. Her husband helps her purchase new inventory.

She applied for a loan in the amount of 1,800 AZN to purchase more food products for her shop, which would allow her to increase her monthly turnover. She has loyal customers and already successfully repaid two prior loans.

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
  • 18
    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 $2,300 helped Valida purchase more food products.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 23, 2012
Apr 5, 2012
Currency Exchange Loss:
Jul 17, 2013