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Calal is 36 years old and a father of two daughters. He is an IDP (internally displaced person) and lives with his wife and children in the Bilasuvar IDP Settlement. He is a Fuzuli refugee.

For the past ten years, Calal has been working hard to manage his pharmacy, which sells medicine. His wife is also helping him in this work. He loves his work and is doing it by heart. He works at the business six days per week and twelve hours per day. He says, at present, his business is doing well. Calal is very popular in his region because everybody knows him as a good doctor, also.

To help expand his business, Calal has requested a loan of AZN 2,000. The loan will be used to buy more medicine to sell and will help Calal to generate greater profits and increase his capital, so as to have enough health facilities.

Calal hopes that, in the future, he will be able to open a big clinic, so that he can help his community recover from illness. He appreciates your support.

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
  • 21
    View loans »
    Azerbaijan Loans Fundraising
  • $13,995,725
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,550 helped Calal to buy more medicine to sell.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 16, 2013
May 29, 2013
Currency Exchange Loss:
Dec 17, 2014