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Shukufa is a 49-year-old woman who grows seasonal fruits and vegetables. She is single. She is an Internally Displaced Person (IDP) and lives in Bilasuvar's IDP Settlement. Shukufa bred cattle for 5 years. She receives 40 AZN monthly in financial support from the government, but this is too low to cover her family's needs.

Shukufa sells her crops in the central bazaar. Her son helps her grow and sell her crops in the bazaar. Her monthly income is 60 AZN, and this business is her family's main source of financial income.

People use fresh vegetables everyday and consider them to be healthy, and many national dishes, like pilau and dolma, are made of vegetables. Fresh fruit is served at every Azerbaijani family's table and is also used to make fresh punch.

Shukufa wants to expand her business and improve the living conditions of her family. She applied for a loan of 1800 AZN to purchase new garden tools, seeds and fertilizers. This will be her second loan, and she has a good loan history.

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 $2,300 helped Shukufa to buy garden tools, seeds and fertilizers.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 1, 2012
Oct 26, 2012
Currency Exchange Loss:
May 17, 2014