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Roza M. is a 40-year-old single woman who has bred cattle for the last seven years. Roza lives with her parents who are on pension now, so she is the breadwinner of the family. Cattle breeding brings her stable income, but it is just enough to cover the basic needs of her and her parents. Roza would like to increase her income to improve her family's living conditions. To help her achieve this goal, Roza has applied for a 1200 USD loan that she will use to purchase two calves and fodder for the cattle.

Additional Information

About Aqroinvest:

Aqroinvest Credit Union was founded in 2001 by a group of 32 farmers from Imishli. It has since grown to become the largest credit union in Azerbaijan, owned by its more than 5,400 borrowers and boasting a portfolio of nearly US$12 million.
AqroInvest is focused on providing loans to the following groups of people: rural farmers, people living in distant southern villages with little or no access to finance and internally displaced people and refugees, many of whom lost their homes and livelihoods during the violent conflicts in the 1990s.

In May 2011, Aqroinvest started a new project with Kiva proving higher education loans to students. The project gives students the support and financing they need to continue their education and helps pay for tuition fees at various universities in Azerbaijan. Aqroinvest is the first credit union in the country to offer students loans.

About Azerbaijan

  • $10,800
    Average annual income
  • 79
    View loans »
    Azerbaijan Loans Fundraising
  • $14,539,000
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Roza purchase two calves and fodder.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Mar 26, 2009
Feb 19, 2009
Currency Exchange Loss:
Jul 1, 2010