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Ismat is 55 years old and married with two daughters. His wife is a housekeeper, and the family lives in an IDP settlement because they are refugees. Ismat raises seasonal fruits and vegetables in his garden and sells them at a local bazaar. He has worked in this field for 15 years and earns 100 AZN monthly.

Azerbaijan cuisine is various and very rich. People use vegetables to prepare such dishes as badimjhan dolmasi from eggplant, fried tomato with meat, etc. They also cook different kinds of pies, cakes and cookies from fruits (pear or apple pie, fruit cakes for birthdays, etc.).

Ismat needs to increase his income in order to support his family. Besides that, the weather where he lives is very cold. He applied for 2000 AZN in order to build a small greenhouse for his fruit trees and vegetables. This is his second loan, and he has a positive client history.

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
  • 28
    View loans »
    Azerbaijan Loans Fundraising
  • $13,951,900
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $2,550 helped Ismat to build a small greenhouse for his garden.
61% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 12, 2014
Feb 14, 2014
Currency Exchange Loss: