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Hafiz is a 53-year-old farmer.

His parents used to work in the fields from morning until the evening, seven days a week. As a child, Hafiz saw that and knew that he will work on a farm one day like his father, because even though the family was poor and faced financial hardship, they were also happy.

He is married and has two children. For the past 21 years he has been involved in raising cattle and smaller livestock. In addition to this activity, he also works on a farm. His wife helps him by producing and selling his own dairy products at home.

With a growing family and more needs to meet, Hafiz would like to increase his business. This is why he has turned to Kiva partner VFAC to purchase additional yearling sheep.

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
  • 26
    View loans »
    Azerbaijan Loans Fundraising
  • $13,991,525
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,950 helped Hafiz to purchase additional yearling sheep.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 6, 2013
May 26, 2013
Currency Exchange Loss:
Jun 17, 2014