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Gulumali is a cheerful man, age 36. He is married and has one school-age child. He lives with his family in a rural area. His wife helps him with his work. To have a stable income, Gulumali works with livestock. His wife helps him and takes care of the cows while they are being fattened. She also sells the dairy products provided by the cows' milk.

Now, the family's expenses are increasing since his son is going to school and he has costs that need to be provided for. Gulumali wants to expand his business to increase their income enough. He dreams of having a large family. He has turned to VFAC to take a loan to buy feed for his animals. He hopes for a positive outcome and is grateful for VFAC support.

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
  • 42
    View loans »
    Azerbaijan Loans Fundraising
  • $13,981,775
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD