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Nadiya is 48 years old and married. She has a son and a daughter who are both married. Her son & his family live with her.

Nadiya is engaged in agriculture, she is in this business for more than 15 years. Her husband, and her daughter-in-law help her with the business. When Nadiya's daughter was getting married, to provide her with a decent dowry she sold almost all of the cattle in the stable. Two years ago she was able to increase the number of animals. Currently she raises animals and farms.

She has a very honest and goal oriented personality. Everything that she has achieved is thanks to her diligence. She plans to have a big herd and to enlarge the stable for cattle. She came to Kiva partner VFAC for a 500 AZN loan for repairs. Nadiya wants to improve her housing conditions. She related how she would like to increase sales, improve her family's well being and ensure that her children will have a bright future.

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
  • 74
    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 $650 helped Nadiya to improve housing conditions.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 7, 2013
Mar 19, 2013
Currency Exchange Loss:
Apr 16, 2014