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Married for 22 years and the father of three, Amil, 48 years old, has a small store where he sells daily food products. His wife is a barber, while his eldest daughter studies in her third year of medical college; his other daughter is in the 10th grade and plays the piano well. Amil’s son is preparing for university. All are IDP (Internally Displaced Persons) from their native city of Fuzuli and now live in the Abseron region.

Amil wants to increase his business and therefore has applied to Komak for a loan of 1600 AZN to buy a fridge. He is thankful to Kiva for aid, and in the future wants to increase the size of 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
  • 70
    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 $2,050 helped Amil to buy a fridge for his store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 29, 2013
Dec 16, 2013
Currency Exchange Loss:
Dec 17, 2014