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Hidayat is 48 years old, married, and the father of four children. He is an IDP (internally displaced person) and lives with his family, in the Bilasuvar IDP Settlement. As an IDP, he receives 111 AZN per month financial support from the government, but this amount is too low to cover the family's needs. Since 2006 Hidayat has been running his own cattle-breeding business. He breeds cattle and sells milk and dairy products, as well as cattle for meat purposes to local butchers. Thanks to his father, who taught him how to look after cattle, he can do this work.

Hidayat usually buys small cattle, raises and fattens them for 5-6 months, and resells them for a profitable price at the local livestock bazaar. This is the only earned income in his family and not enough to cover the basic needs of his beloved children. Hidayat applied for a loan of 1800 AZN, with which he will purchase one calf, one milking cow, and fodder. He has a good client history, and this is his sixth loan.

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
  • 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 $2,300 helped Hidayat to purchase one calf, one milking cow, and fodder.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 6, 2013
Aug 27, 2013
Currency Exchange Loss:
Feb 20, 2015