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Mammad, 42, is married and has three children. He is an internally displaced person (IDP) who lives in the Bilasuvar IDP Settlement with his family.

Mammad is a farmer and has grown seasonal fruits and vegetables for the last fifteen years. He grows pears, apples, peaches, plums, pomegranates, cucumbers, tomatoes, carrots, and potatoes. He chose to grow fruits and vegetables because it is profitable and there is a high demand for produce. Over the years, Mammad has gained enough skills and experience to run his business.

People in Azerbaijan eat fresh vegetables everyday and consider them to be healthy. Vegetables are featured in many national dishes, such as pilau and dolma. Fresh fruits are served on every table in Azerbaijan and are also used to make fresh punch.

Mammad usually sells his crops in the central bazaar. His monthly income is 70 AZN. Mammad wants to expand his business and grow more fruits and vegetables as his produce is in high demand. For this reason, he is requesting a 1000 AZN to buy new garden tools, seeds, and fertilizer.

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
  • $13,995,725
    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 Mammad to buy new garden tools, seeds, and fertilizer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 15, 2013
Feb 24, 2013
Currency Exchange Loss:
Feb 17, 2014