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Zulfiyya is a very enthusiastic and hardworking 38 year-old single woman. She is a market vendor and sells goods such as gifts and office supplies. She has 3 years of experience in this field. After graduating from university, Zulfiyya couldn`t find a job. With the help of AqroInvest loans she was able to start her own business. Now it brings her a stable income of 110 AZN, and her mother helps her.

She is very polite and friendly with customers which makes her business successful. However, her profit is not enough for her well being and she would like to increase the range of goods in her shop. For this purpose, she applied for 1500 AZN. She has a good client history and this will be her second loan.

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
  • 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 $1,925 helped Zulfiyya to buy more goods.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jul 9, 2012
Aug 9, 2012
Currency Exchange Loss:
Nov 17, 2013