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Sarkhan, age 49, is a farmer. He has been farming vegetables like tomatoes, cucumbers, dates, and pomegranates on his own land for 28 years. He sells the harvested fruits and vegetables at the local bazaar. He and his wife have a 25-year-old son.

Since the business is Sarkhan's primary source of income, he spends almost all of his time trying to develop it. He earns additional money from doing repair work.

The reason he has applied for a loan in the amount of 1,000 AZN is to make essential repairs to his own house. His goal is for his house to have a neat appearance for the wedding of his son.

Additional Information

About VisionFund AzerCredit:

Vision Fund AzerCredit was established in 1996 to provide credit to ensure people can take control over their own lives and livelihoods.

While VF AzerCredit works both in the urban and rural areas of Azerbaijan, the emphasis is placed on providing loans to micro and small rural entrepreneurs and self-employed poor, covering remote areas, which are not bankable.

AzerCredit provides group loans, agriculture loans and household and family loans for small and micro entrepreneurs.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Azerbaijan

  • $10,800
    Average annual income
  • 26
    View loans »
    Azerbaijan Loans Fundraising
  • $14,289,125
    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 Sarkhan to make essential repairs to his own house in preparation for the wedding of his son.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 27, 2012
Jan 11, 2013
Currency Exchange Loss:
Feb 17, 2014