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Gulsum
Gulsum is a 45-year-old woman, married with three children. She is IDP. She has raised seasonal fruits and vegetables in her garden for the last 10 years. Her husband helps her raise crops.
She raises apples, pears, peaches, grapes, pomegranates, cucumbers, tomatoes, potatoes, corn and carrots. She sells her crops from her yard. Her monthly income from this business is 180 AZN.

Gulsum needs additional financial sources to invest into her business and for this purpose she applied for a loan of 1000 AZN. She will use this loan to purchase seeds and fertilizers.

Additional Information

More information about this loan

This loan is designed for clients residing in settlements for Internally Displaced Persons (IDPs) in Bilasuvar, Azerbaijan. An internally displaced person (IDP) is someone who has been forced to flee his or her home due to armed conflict, violence, human rights violations, or natural or manmade disasters, but who, unlike a refugee, has not crossed an international border (source: UN Office for the Coordination of Humanitarian Affairs). Many of these people have failed to qualify for loans through formal channels due to low income and lack of collateral. By funding this loan, you are creating opportunities and supporting economic development in extremely underserved communities. 

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

  • $6,171
    Average annual income
  • 25
    View loans »
    Azerbaijan Loans Fundraising
  • $14,072,050
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Gulsum to buy seeds and fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 26, 2012
Listed
Aug 16, 2012
Currency Exchange Loss:
Covered
Ended:
Jul 17, 2013