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Zamina is 36. She is married and has three school aged children. The scope of her engagement is agriculture and she sells milk and milk products at the local bazaar. Her family helps her to keep her business. She has 10 years experience in this sphere. Today she has applied for a loan of 600 AZN (manat) to start the repair of their house. The income from the business allows her to return the money in time.

Additional Information

About VisionFund AzerCredit:

Vision Fund AzerCredit was established in 1996 to provide credit to ensure people can take control over their own lives and livelihoods.

While VF AzerCredit works both in the urban and rural areas of Azerbaijan, the emphasis is placed on providing loans to micro and small rural entrepreneurs and self-employed poor, covering remote areas, which are not bankable.

AzerCredit provides group loans, agriculture loans and household and family loans for small and micro entrepreneurs.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Azerbaijan

  • $10,800
    Average annual income
  • 31
    View loans »
    Azerbaijan Loans Fundraising
  • $14,344,150
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Zamina to make repairs to their house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 5, 2012
Jun 20, 2012
Currency Exchange Loss:
Jul 17, 2013