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Bakhtiyar M. is a 33-year-old man who sells milk in the small village of Saatli. He has more than 20 years of experience in this field. He is married and has two sons.

He sells milk to the milk factory where he also works as a security guard. Working as a security guard pays him the same amount of income as selling milk. His twelve hour work day is becoming a bit tiring. Bakhtiyar would like to focus on expanding his livestock business and purchase two cows with his loan. The estimated cost for one cow is $600.

Additional Information

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
  • 12
    View loans »
    Azerbaijan Loans Fundraising
  • $13,942,725
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Bakhtiyar to purchase two cows for milk production and sales to the local factory.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 12, 2008
Aug 29, 2008
Currency Exchange Loss:
Apr 15, 2010