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Zarkhanim Q. is 55 years old. She is married and the loving mother of seven children! She started her business in order to help her husband with the household expenses, especially because it was very hard to cover the basic needs of such a large family. The main purpose of her hard work is to provide her children with a good education.

She started her business in 2004 after her cousin told her that the sale of women's clothing was a good business. Zarkhanim sells her goods in a small shop near her house. She shows very good taste in choosing the clothing she buys and amazing marketing skills in convincing her clients which clothing they should buy. She has applied for a loan of $1000 USD to expand her business by purchasing additional seasonal clothes.

Additional Information

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
  • 42
    View loans »
    Azerbaijan Loans Fundraising
  • $13,981,775
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Zarkhanim to purchase additional seasonal clothes.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 9, 2008
Sep 25, 2008
Currency Exchange Loss:
Jun 24, 2010