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Xuraman is 49 years old, married, and is an IDP (internally displaced person) living with her family in the Bilasuvar IDP Settlement. She moved from the city of Fuzuli. Xuraman could not get a higher education and because of that decided to start her own business. She chose farming, growing fruits and vegetables in her own yard. Her husband helps her with the farming.

Xuraman wants to expand her business. The amount of products she sells is not enough to cover the high demand so she would like to grow more fruits and vegetables to increase her turnover as well as improve the living conditions of her family. She is requesting her third loan for 1,200 AZN, which she will use to buy farming supplies.

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
  • 15
    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 $1,550 helped Xuraman to buy farming supplies.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Nov 19, 2013
Dec 13, 2013
Currency Exchange Loss:
Mar 17, 2015