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Shefane has been married for three years and has a baby. She is 26 years old and lives in the Fuzuli region. She is an IDP (Internally Displaced Person) from Fuzuli city.

Shefane is in the animal breeding business. She buys little calves, raises them, and sells them in the bazaar to earn money. Shefane is a hardworking woman and wants to increase her business. For this reason, she needs a loan of 1,800 AZN. With this loan, Shefane wants to build a stall for her cows. In the future, she wants to buy more cows. Shefane says she is thankful to Kiva and to Kiva lenders for this loan.

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
  • 84
    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 $2,300 helped Shefane to build a stall.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 7, 2014
Jan 23, 2014
Currency Exchange Loss:
Dec 17, 2014