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Zulayya is 37 years old, and a married mother of three children. She sells a variety of products in her shop, such as sugar, sweets, dish washer, and shampoo. Her husband is a driver. She has eight years of experience in the shopkeeping field. People in her town are the regular customers for purchasing food products and other available items at the store. Her monthly profit from selling products is 150 AZN.

Her elder son helps her to sell products in the shop. She is a very successful entrepreneur, because of the shop's good location in the bazaar of her home city. Zulayya wants to expand her business and to buy more products, because this business is only one financial income in her family. For this purpose, she applied for a loan of 1,900 AZN. She has a good client history; this will be her fourth loan.

Additional Information

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

Success!! The loan was 100% repaid

A loan of $2,425 helped Zulayya to buy more products to sell at her store.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jun 18, 2013
Jul 11, 2013
Currency Exchange Loss:
Oct 17, 2014