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Elshad is 20 years old and single, but he want to be married as soon as possible. He lives with his parents and sister in Azerbaijan in the Baku region. He is a farmer. His family has been planting fruits on their land for ten years, but he went into the planting business two years ago. On his land, Elshad plants different fruits (apples, pears, etc.). He sells fruits to local stores and bazaars.

He wants to spray his fruit trees from harmful insect, and now he needs 1,000 AZN. Elshan has applied for a loan from Kiva. He is thankful to Kiva and Komak for helping him.

In the future he wants to open his own fruit store so that all the customers in his area will buy fruit from his store.

Additional Information

More information about this loan

This loan supports Komak clients who are designated as Internally Displaced Persons (IDPs) in 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. Azerbaijan is home to over 600,000 IDPs, who face limited access to employment adequate housing, water and electricity. Many of these people have also failed to qualify for loans through formal channels due to low income and lack of collateral. Komak has been working to support IDPs since 1999. By funding this loan, you are creating opportunities in extremely underserved communities.

About Komak

Komak means “help” in Azerbaijani. As of its creation in 1999, Komak has kept true to its name by helping thousands of Internally Displaced Persons, refugees and the economically disadvantaged by providing these groups with sustainable credit services. As of 2010 Komak’s $2.5 million portfolio serves 1513 clients, 81% of whom are IDPs, and 40% of borrowers are women. In 2009, Komak was cited in a report by the United Nations General Assembly as one of Azerbaijan's prominent forces in restoring the local economy by enabling small and medium enterprises with credit. For more on Komak, please join our lending team, Friends of Komak Credit Union.


About Azerbaijan

  • $10,800
    Average annual income
  • 68
    View loans »
    Azerbaijan Loans Fundraising
  • $14,505,725
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Elshad spray his fruit trees from harmful insect.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 25, 2013
Oct 4, 2013
Currency Exchange Loss:
Oct 17, 2014