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Khatira is a 51-year-old woman, married with three children. She is a professional baker who bakes bread and local pita with meat and greens. She has four years of experience and she does her work perfectly. She uses only organic products and bakes bread in a special oven that is fueled with natural wood. That’s why her bread is in high demand, and the scent of it carries far beyond her home when she bakes.

The bakery is located inside the yard of her house, so she is able to work from home. Her son helps her to fire the furnace and prepare the dough. These are hard processes that require a lot of strength. This is only one financial income in Khatira's family, because she is on a pension that is too low.

She has applied for a loan of 1500 AZN to purchase more products for her oven and for the dough. This will be her third loan and she has a positive loan history.

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
  • 21
    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 $1,925 helped Khatira to buy more products for her oven and the dough.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
May 8, 2012
May 12, 2012
Currency Exchange Loss:
Jul 17, 2013