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Ilham is a 44-year-old divorced man. He has two sons. Ilham is an IDP (internally displaced person) and lives with his sons in the Bilasuvar IDP Settlement. He is a farmer and market vendor at the same time. Ilham has 15 years of experience in raising crops. He usually sells them from his yard and from his shop. His monthly income is 120 AZN from this business.

Raising crops takes a lot of strength and requires physical work, which is hard for one man. Ilham's sons help him to raise the crops and take them to the shop. He raises cucumbers, tomatoes, pears, potatoes, carrots, apples, cherries and onions.

Ilham applied for a 1,900 AZN loan to purchase seeds and fertilizers to improve the quality of his land. This will be his third loan, and he has a good client history. In his previous loans, Ilham has never had a delinquency.

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
  • 19
    View loans »
    Azerbaijan Loans Fundraising
  • $13,949,600
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $2,425 helped Ilham to purchase seeds and fertilizers to improve the quality of his land.
77% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 13, 2013
Nov 17, 2013
Currency Exchange Loss: