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Shovkat is a 54-year-old married woman with two children. Her daughter was married 2 years ago. Today, Shovkat lives with her husband, son and bride. She has a lovely grandchild. Her son is a taxi driver. They live in Baki region and have been IDP (Internally Displaced Person) from Agdam for over 21 years.

Shovkat has a small store to sell daily food products. She also makes and sells “qutab”, “pirojki”, and other national dishes. Shovkat wants to support her business and has applied to Komak for 2,300 AZN to buy products to support the development of her business.

She thanks the Kiva organization for aid. In the future Shovkat wants to repair her store.

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 Shovkat to buy products to support the development of her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 18, 2014
Apr 14, 2014
Currency Exchange Loss:
Apr 17, 2015