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Shahla is thirty-seven years old, married and lives in the Füzuli region of Azerbaijan with her family. For twenty years, they have been internally displaced persons from Füzuli city. She has two children, her son is eleven years old (he is going to fifth class this year) and her daughter is nine - she is in primary school. Shahla has a few cows. She prepares dairy products (milk, cheese, yogurt etc) and sells them in the local bazaar to earn money for covering family expenses. Today she needs 2,300 AZN to repair her cows' stall, which is in danger of falling down. Shahla gives her thanks to Kiva for its help. She is planning to buy more cows and to increase her business in the future. She hopes that this will grow her monthly income and allow her children to have a good education.

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
  • 86
    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 Shahla repair the cow stall.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 4, 2014
Jun 16, 2014
Currency Exchange Loss:
Jul 17, 2015