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Sakina is 41 and she lives with her husband and four children aged 10 to 22. Her son works as a workman and her husband is a taxi driver.

Sakina has been engaged in land cultivation for more than 8 years. Particularly, she cultivates tomatoes and cucumber. Her husband helps her to sell the gathered harvest locally, which is the main income for their family. It is very difficult for Sakina and her family to sustain the family and the agricultural income is very important to them.

She wants to improve her living conditions and to repair their house, as it is old and is in bad condition. Sakina wants to repair all the rooms. She is asking for a loan of 1,000 AZN to repair her house.

In this way she will be able to offer her children a better quality of life and moral stability that will allow them to progress. Each month she will make her payment on time. She awaits your support and mercy.

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
  • 27
    View loans »
    Azerbaijan Loans Fundraising
  • $14,289,125
    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 Sakina to repair all the rooms of the house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 19, 2013
May 6, 2013
Currency Exchange Loss:
May 17, 2014