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Rafail is 45 years old and married. He has tthree children, and two of his children have graduated from school.

Rafail manages planting and harvesting fruits and vegetables on his own land. He has been involved in farming for 17 years.

He is the only breadwinner of the family. To meet his family's everyday needs, he is working every day. His wife and elder son assist him greatly in his horticultural activities.

To be able to continue his agribusiness in a sustainable way, Rafail needs a loan of AZN 1,000 to purchase seeds and fertilizer. He and his family are very thankful to all the lenders for helping them sustain their agribusiness.

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
  • 14
    View loans »
    Azerbaijan Loans Fundraising
  • $13,995,725
    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 Rafail to purchase seeds and fertilizer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 14, 2013
Nov 9, 2013
Currency Exchange Loss:
Dec 17, 2014