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Kamile is a 41-year-old married woman. She is an internally displaced person (IDP) and lives with her husband and one daughter. She raises fruits and vegetables in her garden. She started this business 10 years ago. She chose this field because fresh fruits and vegetables are very popular in Azerbaijan and people like to eat them fresh and make fresh juices, which is very healthy.

Her husband gets a pension and helps Kamile to sell crops in the central bazaar. Her monthly income is 150 AZN. People use fresh vegetables everyday and consider them healthy, many national dishes are made of vegetables, like pilau and dolma. Fresh fruits are on every table in Azerbaijan, and
families also make fresh punch. Raising crops and working in the open air takes a lot of strength, which is very hard for woman and that why her husband helps Kamile.

She needs additional capital to invest in seeds and fertilizers. This will allow her to improve the quality of products she raises and increase her monthly turnover. For this purpose she applied for a loan of 1,200 AZN.

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
  • 26
    View loans »
    Azerbaijan Loans Fundraising
  • $13,991,525
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,550 helped Kamile to buy seeds and fertilizers.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Oct 5, 2012
Oct 20, 2012
Currency Exchange Loss:
Feb 17, 2014