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Hijran is a 51-year-old married woman with two daughters.

She is a market vendor. When she retired, her pension was too small to exist and she decided to start her business. She has seven years of experience in the trading field.

She sells office supplies, which are very popular for offices and schools. Products she sells are in very high demand and Hijran wishes to meet her customers’ needs. Her monthly income is 300 AZN.

She applied for 1,800 AZN loan to purchase more merchandise and increase her sales. She already had two loan from AqroInvest and has a very positive loan history.

Additional Information

About Aqroinvest:

Aqroinvest Credit Union was founded in 2001 by a group of 32 farmers from Imishli. It has since grown to become the largest credit union in Azerbaijan, owned by its more than 5,400 borrowers and boasting a portfolio of nearly US$12 million.
AqroInvest is focused on providing loans to the following groups of people: rural farmers, people living in distant southern villages with little or no access to finance and internally displaced people and refugees, many of whom lost their homes and livelihoods during the violent conflicts in the 1990s.

In May 2011, Aqroinvest started a new project with Kiva proving higher education loans to students. The project gives students the support and financing they need to continue their education and helps pay for tuition fees at various universities in Azerbaijan. Aqroinvest is the first credit union in the country to offer students loans.

About Azerbaijan

  • $10,800
    Average annual income
  • 67
    View loans »
    Azerbaijan Loans Fundraising
  • $14,526,825
    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 Hijran to buy more merchandise.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Feb 24, 2012
Apr 6, 2012
Currency Exchange Loss:
May 17, 2013