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Varziyar is 49 years old. She is married and lives with her husband and three children. Her family members have been Internally Displaced Persons from the occupied territory of Azerbaijan, Füzuli city, for over twenty years. Now they are living in Kurdmahmudlu village of Füzuli region.

Her elder son was married last year. Her younger son studies at the third course of college, and her daughter, who graduated from school, helps Varziyar with her business.

Varziyar has cows. She sells their milk and milk products (yogurt, cheese, etc.) at the local bazaar and to neighbours. Now Varziyar wants to buy more cows for increasing her business. Therefore, she needs 2,300 AZN (Azerbaijan New Manat).

Varziyar is greatly thankful to the Kiva organization for this loan. She wants to build a big stall for her cows in the future.

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
  • 74
    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 $2,950 helped Varziyar to buy more cows for increasing her milk and milk products business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 24, 2014
Mar 11, 2014
Currency Exchange Loss:
Mar 17, 2015