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Habil is 36 years old and married with three daughters. The members of his family are refugees and have lived in an IDP settlement for a long time. His wife is a housekeeper and educates girls. Habil has been raising and selling seasonal vegetables for seven years and his monthly income is 220 AZN. He has good skills in this area and knows what his customers prefer.

Habil sells vegetables at a local bazaar for usual people and restaurants. The chefs of restaurants get vegetables from his grocery all the time because the products there are always fresh and clean.

Habil’s income doesn’t cover the family’s demands. He applied for 1200 AZN in order to buy seeds and raise new kinds of vegetables and fruits. This will expand his grocery's assortment, increase income and Habil will be able to provide his lovely daughters a good education and bright 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
  • 28
    View loans »
    Azerbaijan Loans Fundraising
  • $13,953,050
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,550 helped Habil to buy seeds and raise new kinds of vegetables and fruits.
50% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 28, 2014
May 5, 2014
Currency Exchange Loss: