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Shafagat is married. She lives with her husband and two children in Yaglivend village and they are IDPs (internally displaced persons) from Füzuli city. Her age is 41, her husband’s age is 45, and her children’s ages are 18 and 16. Shafagat’s husband, Mahir, is a shoemaker. Her son, Sefaqet, is a student. He studies at a technical school and her daughter goes to 10 class. When her daughter doesn’t have a lesson, she helps her mother with her poultry business.

Shafagat has poultry. She maintains a few hens, cocks, and chickens. She earns money by selling eggs and chickens to regular neighborhood customers.

Today, the number of poultry is increasing and Shafagat applied to Kiva partner, Komak Credit Union, for a loan in the amount of AZN 2,000. With this loan, she will build a hen-coop, buy some poultry, and increase her business. After she increases her business, the number of clients will increase and monthly income will be better.

Shafagat is thankful to the Komak Credit Union organization for their aid. In the future, she wants to have a poultry enterprise and to give her son a high education.

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
  • 75
    View loans »
    Azerbaijan Loans Fundraising
  • $14,526,825
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,950 helped Shafagat to build hen-coop.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 19, 2013
Oct 18, 2013
Currency Exchange Loss:
Oct 17, 2014