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Ruhangiz has been running a bakery oven for the last two years with the handholding support of two workers. She bakes and sells bread, pita bread and pies.

With this income, she is hardly able to manage the educational expenses of her children in the future. So, with the help of her husband she wants to start an agriculture business parallel with the bakery by taking out a loan from VFAC. With the present loan, Ruhangiz wants to purchase one head of diary cow.

Ruhangiz is 23, married and the mother of two children ages one and three. In the picture, you can see her family at her workplace.

Additional Information

About VisionFund AzerCredit

This loan is administered by VisionFund AzerCredit (VF AzerCredit). VF AzerCredit is part of VisionFund International, which has microfinance banking operations in 40 countries. VF AzerCredit aims to provide sustainable financial services for people in Azerbaijan who are not able to access financing through the conventional banking system.

With branches stretching across Azerbaijan, VF AzerCredit currently serves over 40,000 active clients with a variety of loan products. Of over 20 regions in which VF AzerCredit operates, a strong majority are comparatively underserved rural areas.

For more information on VF AzerCredit, please visit its partner page. If you would like to support other VF AzerCredit clients, please see other loans currently fundraising from this Field Partner.

About Azerbaijan

  • $6,171
    Average annual income
  • 15
    View loans »
    Azerbaijan Loans Fundraising
  • $13,995,725
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD