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Husniyya is 26 years old and a mother of 2 children. She is an IDP (internally displaced person) and lives with her husband and daughters in the Bilasuvar IDP Settlement. She has been raising seasonal fruits and vegetables for the last 5 years. She chose this business because it is profitable and because there is always a high demand for fresh crops. People use fresh vegetables every day and include them in many national dishes, such as pilau and dolma. Fresh fruits are served at every family’s table in Azerbaijan and are often made into fresh punch.

Husniyya sells her crops at the Bilasuvar central bazaar. Her monthly income is 150 AZN. Her husband actively helps her to raise her crops.

As her products are in high demand, Husniyya wants to expand her business and produce more fruits and vegetables to cover the market demand. For this purpose, she has applied for a loan in the amount of 1800 AZN. She will buy seeds and fertilizers with her loan funds. This will be her third loan and she has a positive loan history.

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
  • $13,992,500
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,300 helped Husniyya to buy seeds and fertilizers to grow more fruits and vegetables.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 1, 2013
May 19, 2013
Currency Exchange Loss:
Mar 17, 2014