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Mahammad is 32 years old. He is married and has two daughters. His wife is a housekeeper. Mahammad ’s family is IDP (Internally Displaced Persons) and they have lived in an IDP settlement for a long time.

Mahammad earns money by growing fruits and vegetables, and selling them at the local bazaar. He has nine years of experience in this area. The monthly income is 230 AZN.

There is high demand for fruits and vegetables. Every day people use them in preparing different kinds of fruit juice, jam and vegetable salads. People buy from private gardens because food there is cheaper than in the markets.

Mahammad wants to make his family’s life better, and he especially wants to provide for his daughters' future. He applied for 700 AZN loan in order to buy more fertilizers and fruit tree seeds to increase his income.

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
  • 16
    View loans »
    Azerbaijan Loans Fundraising
  • $13,995,725
    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 $900 helped Mahammad to buy more fertilizers and fruit tree seeds.
56% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 23, 2014
Aug 9, 2014
Currency Exchange Loss: