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Tahira is a 55-year-old refugee. She is a widow and lives with a daughter and a son in an IDP settlement. She is a farmer and raises seasonal vegetables such as cucumbers, potatoes, tomatoes and greens. Her monthly income is 120 AZN.

Tahira has worked in this field for 34 years and she knows everything of farming. She also knows that seasonal vegetables aren't as profitable as she wants. But unfortunately she cannot raise other kinds of vegetables because of the cold climate in her region. People have high demands for fresh vegetables, especially greens because they are very good for health. People also use greens to prepare such national dishes as green qutab, dovgha, doghramaj, etc.

Tahira’s income is not enough for her to cover her family’s demands. She decided to build a greenhouse for her vegetables and buy additional vegetable seeds. That is why she applied for 1500 AZN loan from the credit union. She believes that this will help her to increase her income and be able to escape debts in future.

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
  • 26
    View loans »
    Azerbaijan Loans Fundraising
  • $13,991,525
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,925 helped Tahira to build a greenhouse for her garden.
60% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 5, 2014
Mar 13, 2014
Currency Exchange Loss: