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Dilara is 47 years old, a refugee and married with two sons. The family lives in an IDP settlement. She has been raising fruit trees (such as persimmon and quince) for 15 years and has gained good skills in this area. Her monthly income is 200 AZN. The family gets additional earnings when her husband works as a laborer. In his free time, he helps Dilara to raise the trees.

Dilara likes her job very much. She takes care of her fruit trees like a mother and raises them properly without any pesticides or harmful medicines. Then she sells the fruit at the local bazaar. Everybody likes sweet persimmon and quince used for health purposes from her garden.

The climate where Dilara lives is very serve and harmful to her garden. Every winter, Dilara loses fruit after the strong winds and snow. She applied for 2,000 AZN to build a strong and warm greenhouse. She wants to keep her garden as safe as she possibly she can.

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
  • 27
    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 Dilara to build a greenhouse.
61% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 3, 2014
Feb 24, 2014
Currency Exchange Loss: