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Hijran is a 33 year-old married woman. She is an Internally Displaced Person (IDP) and lives with her family in an IDP Settlement. She is a farmer and is raising seasonal fruits and vegetables. She has six years of experience in this field, which makes her an experienced and skilled person in this field.

Hijran usually sells her crop in the Central Bazaar. People use fresh vegetables everyday and consider them healthy. In fact, many national dishes are made of vegetables such as pilau and dolma. Fresh fruit is served at every table in the Azerbaijan family and also make fresh punch. Her monthly income is 50 AZN. Raising crops takes a lot of strength and she works in the open air, this is hard physical labour so her spouse helps.

She needs additional capital to invest in organic seeds and fertilizers. This will allow her to improve the quality of products she raises and increase monthly turnover. For this purpose she has applied for a loan of 1500 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 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
  • 85
    View loans »
    Azerbaijan Loans Fundraising
  • $14,526,825
    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 Hijran to buy organic seeds and fertilizers.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Jan 1, 2013
Jan 1, 2013
Currency Exchange Loss:
Dec 19, 2013