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Sarhad is a man of 54 years. Currently he is married. His wife is a housewife and she also helps Sarhad with the farm work. They have four children, ages 29, 26, 21 and 17.

Sarhad learned farm work from the time he was a child. His father imparted to him the practical knowledge of work in everything related to agriculture. Later he made it his everyday work so as to always be able to support his household. For 22 years he has been farming and raising cattle for milk production. His wife is a great help in this activity. When Sarhad goes out to sell, she feeds the animals or prepares the land where the crops are. In addition, Sarhad works as an accountant at the local supermarket and earns a salary there.

The reason he is requesting a loan of 1,000 AZN is to purchase materials like cables and wire for the installation of electricity in his home. His dream is to improve his housing condition by applying finishes in his home and building a retaining wall. Sarhad is grateful to those who, through Kiva, can be part of this growth in his life, and he encourages them to continue supporting the business ventures of people who, like him, dream of having a better quality of life in their households.

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
  • 84
    View loans »
    Azerbaijan Loans Fundraising
  • $14,526,825
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD
A loan of $1,275 helped Sarhad to purchase materials like cables and wire for the installation of electricity in his home.
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 30, 2013
Jun 28, 2013
Currency Exchange Loss:
Jul 28, 2013