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Afruz is 58 years old and an IDP. She is a widow and lives with her only son in an IDP settlement. The son helps his mother earning money as a laborer. Afruz raises fruits and vegetables in her garden and sells them at local bazaar. That is Afruz’s business and she has working in this area for 30 years. Her monthly income is 160 AZN.

People prefer to buy fruits and vegetables from private gardens, because they are naturally raised and cheaper. People know that such products are always fresh and healthy; they are not grown with pesticides and harmful. During long years of experience, Afruz learned how to cover her customer demand. So selling fruits and vegetables grown at home is popular and cheaper for people to buy them in bazaars than in big markets.

Afruza’s income doesn’t allow covering her customer's demands. She is planning to expand her garden and grow more seasonal fruits and vegetables. Afruza wants her son to get a high education and have a good life. She applied for 1500 AZN in order buy new fertilizer and expand her business.

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
  • 29
    View loans »
    Azerbaijan Loans Fundraising
  • $13,959,400
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,925 helped Afruz buy new fertilizer.
55% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 7, 2014
Mar 21, 2014
Currency Exchange Loss: