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Rafiqa is a 22-year-old single woman. She is an IDP (internally displaced person). For the past 3 years, Rafiqa has been raising fruits and vegetables in her garden. She chose this field because fresh fruits and vegetables are very popular in Azerbaijan and people like to eat them fresh and to make fresh juices, which are very healthy.

Rafiqa's father is on a pension and helps her sell crops in the central bazaar. Raising crops and working in the open air take a lot of strength and are very hard for a woman, which is why her father helps Rafiqa.

Rafiqa's monthly income is 120 AZN. She has applied for a loan of 1,000 AZN to buy seeds and fertilizers. This will allow her to improve the quality of her products and to increase her monthly turnover.

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 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
  • 12
    View loans »
    Azerbaijan Loans Fundraising
  • $13,936,525
    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 Rafiqa to buy seeds and fertilizers.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Aug 24, 2012
Sep 12, 2012
Currency Exchange Loss:
Sep 17, 2013