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Saadat, 47, is single and lives with her parents. She is an Internally Displaced Person (IDP) and lives with her family in an IDP Settlement.

Saadat is a farmer and raises seasonal fruits and vegetables. She has about 15 years of experience in this field, which makes her a skilled farmer. Saadat's monthly income is 70 AZN. Raising crops takes a lot of strength and work in the open air. This is hard work for Saadat, so her father helps her.

Saadat usually sells her crop in the central bazaar. Fruits and vegetables are very popular in Azerbaijan. People consider fresh vegetables healthy and use them everyday in national dishes like pilau and dolma. Fresh fruits are served at every table and are also used to make fresh punch.

Saadat needs additional capital to invest in seeds and fertilizers. This will allow her to improve the quality of the products she raises and increase her monthly income. For this purpose, she applied for 1,000 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
  • 31
    View loans »
    Azerbaijan Loans Fundraising
  • $13,959,400
    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 Saadat to buy seeds and fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 11, 2013
Feb 5, 2013
Currency Exchange Loss:
Dec 19, 2013