Kiva Loans for Aqroinvest Credit Union

Shahlar : Azerbaijan

Fri, 25 May 2012 20:10:03 PDT

$1,275 of $2,175 raised.

Started raising funds on May 25, 2012

Shahlar, 19, studies at Azerbaijan Technology University. He began studying in 2011 and expects to finish in 2015. He is studying the technology of manufacturing products. His parents are working and pay for his education. However, last year it become harder because of some family problems. Shahlar applied for 1700 AZN loan to pay two years of his education.

Natiq : Azerbaijan

Fri, 25 May 2012 20:10:04 PDT

$850 of $1,800 raised.

Started raising funds on May 25, 2012

Natiq, 22, studies at Azerbaijan Technology University. He entered this university in 2009 and is studying standardizing and technology machines. He is going to complete his studies in 2013. He is not working, even part time, because it is impossible due to the number of lessons and study hours. His parents pay for his education. Life is more expensive every year and to pay his education fee Natiq applied for a loan of 1400 AZN. This will help to pay tuition in advance and complete his studies successfully.

Sahib : Azerbaijan

Fri, 25 May 2012 20:20:03 PDT

$775 of $2,550 raised.

Started raising funds on May 25, 2012

Sahib is a 21-year-old man who studies at the Azerbaijan Technology University. He has been studying in the Faculty of Standardizing and Technological Machines since 2009. Now in the third year of his course, he wishes to work in a machine factory abroad after finishing university. Sahib's parents pay his education fees. Now they have applied for a 2000 AZN loan to pay for the last two years of his tuition.

Abdurahman : Azerbaijan

Fri, 25 May 2012 20:20:02 PDT

$700 of $2,550 raised.

Started raising funds on May 25, 2012

Abdurahman, 20, is a student at Azerbaijan Technology University. He entered university in 2009 and will complete studies in 2013. He is in the third year of studying food product technology and tourism. His dream is to travel a lot after graduating. Abdurahman is not working and his parents pay his education fees. Now he needs to pay for his last two years and for this purpose applied for a loan of 2000 AZN.

Dunyaxanim : Azerbaijan

Wed, 02 May 2012 17:30:02 PDT

$750 of $1,275 raised.

Started raising funds on May 2, 2012

Dunyaxanim is a 55 year-old widow who raises her daughter alone. She is a market vendor and sells food products like macaroni, beverages, sugar, candies and cookies. She has12 years of experience in this field, which makes her a knowledgeable and skilled person. Her products are very popular among women. Dunyaxanim is always friendly and polite with her customers, which makes her business successful. Her monthly profit is 230 AZN. As this business is the only income source, Dunyaxanim`s daughter helps her with business. Dunyaxanim would like to expand her business and purchase more merchandise and diversify the range of producst she sells. For this purpose, she applied for 1000 AZN. She has a positive loan history. This will be her 6th loan, and she promises to pay back on time.

Farid : Azerbaijan

Fri, 25 May 2012 20:20:03 PDT

$525 of $1,275 raised.

Started raising funds on May 25, 2012

Farid is 20 and attends Azerbaijan Technology University. He studies food product technology and tourism. He is a third-year student who began studies in 2010 and will complete them in 2014. He studies very well and always gets A grades. Farid`s father is the only one working in the family and it has become harder to cover family needs after another child in their family entered university. Now expenses doubled and to cover tuition, Farid has applied for a loan of 1000 AZN.

Turqut : Azerbaijan

Fri, 25 May 2012 20:30:03 PDT

$350 of $1,425 raised.

Started raising funds on May 25, 2012

Turqut is a 20-year-old man who studies at the Azerbaijan Technology University. He has been doing a course in the Faculty of Technology of Manufacturing Products and Expertise since 2009. Turqut lives with his family and they have been paying his tuition fees. Turqut is now in the third year of university and he wishes to start work right after he completes his course. He has applied for 1100 AZN to pay for his third and fourth year tuition fees.

Araz : Azerbaijan

Mon, 21 May 2012 07:50:03 PDT

$500 of $1,275 raised.

Started raising funds on May 21, 2012

Araz is 42, married, and has two children. He has been breeding livestock from a very young age. Thanks to his father, who taught him the best, he already has ten years of experience. During these years, Araz has acquired the knowledge and skills required for the business. He purchase lambs and calves in the central livestock market and raises them. After fattening the animals, he resells them for a profitable price in the livestock bazaar. Meat is in very high demand in Azerbaijan and people use it in everyday dishes like pilau and dolma. His business requires a lot of physical strength, as Araz spends most of his time in the open air. His wife helps him to feed the animals. His monthly income is 140 AZN and Araz wishes to increase it. As meat is in high demand, he needs more capital to put into his business and cover the market. For this purpose, he applied for 1,000 AZN. He will use the loan to buy two cattle and fodder.

Zeynab : Azerbaijan

Sat, 12 May 2012 15:20:12 PDT

$750 of $1,275 raised.

Started raising funds on May 12, 2012

Zeynab is 43 years old, married and the mother of four children. She is an IDP (Internally Displaced Person) who lives in the Bilasuvar IDP Settlement, where she has earned a living for the last six years by breeding cattle. She was a housewife, but her husband is unemployment and she is now the family's sole means of support. Zeynab usually buys young cows, raises and fattens them for five or six months, and then resells for a profit at the local livestock bazaar. Her monthly income is AZN 300. Demand for her products is strong because meat is in very high demand in Azerbaijan, where it is used in everyday dishes such as pilau and dolma. Zeynab also keeps additional cows for milking. Some of this milk is used by her family and some is sold to neighbors. Zeynab wants to expand her business and improve her family's living conditions. She is requesting a loan for AZN 1,000 to buy one baby calf and one milk cow. This will be her second loan. She has a good credit history.

Mahammad : Azerbaijan

Mon, 14 May 2012 09:00:10 PDT

$250 of $775 raised.

Started raising funds on May 14, 2012

Mahammad is a farmer and has been in active in farming for over six years. He is a 38 year-old married man and has three school-aged children. Mahammad is an internally displaced person (IDP) who lives in Bilasuvar IDP Settlement. He sells fruits and vegetables in the central bazaar. His monthly income is 200 AZN. Mahammad asked for a loan of 600 AZN to enlarge his business. As these products are in high demand, Mahammad wants to expand his business and produce more fruits and vegetables to cover market demand. He will buy seeds and fertilizers. This is his first loan from AqroInvest and Kiva and he hopes that this loan also will help him start a new crop.

Merziya : Azerbaijan

Sat, 12 May 2012 13:20:02 PDT

$325 of $1,550 raised.

Started raising funds on May 12, 2012

Merziya is a 46-year-old woman married with one son. She breeds sheep and cattle for meat purposes to local butchers. Merziya has more than 10 years of experience in this field, thanks to her father, who taught her the best way to look after cattle and who currently helps her to run the business. Merziya usually buys small cattle and sheep, raises, and fattens them in 5-6 months and resells them for more profitable prices in the local livestock bazaar. Meat-selling brings 200 AZN income per month. Beef and mutton are very popular products in Azerbaijan. People use meat in everyday national dishes such as pilau and dolma and always use yoghurt sauce. Also, she sells sheep fur, which is useful for clothes and blankets. This is only one financial income. Merziya applied for 1,200 AZN to purchase two cows and two sheep. This will be her second loan from AqroInvest and Merziya has good client history.

Tofiq : Azerbaijan

Tue, 15 May 2012 07:40:01 PDT

$175 of $1,550 raised.

Started raising funds on May 15, 2012

Tofiq is 52 years old and a very kind and friendly man. He is married and has one son. He has been raising sheep for the last ten years. He sells them for mutton, which is very popular among local people. Many popular dishes like dolma and pilov are made of mutton. People consider it to be very healthy and digestible. Tofiq usually buys small lambs, raises and fattens them, and sells them for a profitable price. His monthly income is 200 AZN and this is the only income in his family. Keeping the family and covering the needs of his child is a very hard job. Also, looking after animals is much harder and requires spending a lot of time outside. The climate in the region is harsh, but Tofiq is a very positive man and hopes to earn enough to provide a better life for his beloved child. He applied for a 1,200 AZN loan in order to purchase fifteen sheep to cover his market demand. As summer is very close, it is a good time to fatten lambs and sell them for profitable prices for wedding parties, of which there are a lot during this season. This will be Tofiq’s second loan and he has a positive client history.

Turab : Azerbaijan

Tue, 15 May 2012 03:10:02 PDT

$175 of $1,275 raised.

Started raising funds on May 15, 2012

Turab is a 22-year-old man, who is very friendly. He is an IDP (Internally Displaced Person) and lives with his parents in the Bilasuavr IDP Settlement. He is a farmer and has grown seasonal fruits and vegetables for the last two years. Turab was unemployed and did not have any educational qualifications. When he got married, he needed a source of income to support his new family and he started his business. Over the last two years Turab has gained enough skills and experience to run the business, thanks to his father`s experience. He chose this crop business because it is profitable and fresh fruits and vegetables are in high demand. People use fresh vegetables everyday and consider them healthy; many national dishes are made from vegetables, like pilau and dolma. Fresh fruits appear on every family table in Azerbaijan and are also used to make fresh punch. He usually sells his crop in the central bazaar. His monthly income is 60 AZN. As these products are in high demand, Turab wants to expand his business and produce more fruits and vegetables to meet market demand and to increase his monthly income. For this purpose he has applied for 1000 AZN. He will buy new garden tools, seeds and fertilizers.

Suleyman : Azerbaijan

Tue, 15 May 2012 07:01:56 PDT

$175 of $1,275 raised.

Started raising funds on May 15, 2012

Suleyman is a very friendly and hardworking man of 22 years old. He is single and lives with his parents. He is IDP and lives with his family in the Bilasuvar IDP settlement. He breeds cows and cattle and sells milk and milk products as well as cattle for meat purposes to local butchers. Suleyman has already two years of experience, but from childhood he has been observing his father and helping him to look after livestock. Suleyman usually buys calves, raises and fattens them in five or six months and resells them for a more profitable price in the local livestock bazaar. He also sells milk and yoghurt to the neighbors. Milk and meat selling brings in 100 AZN in income per month. Milk and yoghurt, as well as meat are very popular products in Azerbaijan. People use meat in everyday national dishes as pilau and dolma and always use yoghurt sauce. Milk products are considered very healthful and also present in everyday life. Suleyman applied for 1,000 AZN to purchase one milk cow and one other cow.

Shakir : Azerbaijan

Wed, 02 May 2012 17:00:08 PDT

$50 of $1,925 raised.

Started raising funds on May 2, 2012

Shakir is a 57 year-old married man with three sons. Shakir has been breeding calves and cows for last 20 years. After several attempts to find job, he gave up and decided to start his business. With the help of his wife, they purchased their first cattle. Shakir usually buys small calves, raises and fattens them for 5-6 months and then resells them for a more profitable price in the livestock bazaar. His monthly income is 300 AZN and this business is the only source of income in his family. Beef is in very high demand in Azerbaijan and people use it in everyday dishes like pilau and dolma. Shakir also keeps milk cows for personal use and for selling to neighbors. His wife helps him to look after the cattle. He wants to expand his business and improve the living conditions of his family. He applied for a 1500 AZN loan to purchase two calves, one milk cow and fodder. This will be his second loan from AqroInvest CU, and he has a good client history.

Taleh : Azerbaijan

Mon, 14 May 2012 09:00:08 PDT

$50 of $1,925 raised.

Started raising funds on May 14, 2012

Taleh is a 21 year-old man who lives with his wife and parents. He is a cattle breeder and has 6 years of experience in this field. Taleh chose this particular activity because meat is in very high demand in Azerbaijan and most of the national dishes, like dolma and pilau, are made of meat. Taleh usually buys small calves in the central bazaar, fattens and raises them for 5-6 months. Then he resells the grown cattle for a more profitable price to market vendors and butchers. His father helps to look after the animals and to feed them. He also breeds buffalo, because buffalo`s milk and yoghurt is rare product and consider as delicacy. His monthly income is 250 AZN. Demand in fresh meat is very high and Taleh would like to cover demand of his permanent clients. For this purpose he applied for 1500 AZN. He will use the loan to buy three calves and one milk cow. This will be his second loan.

Elmira : Azerbaijan

Wed, 02 May 2012 17:50:03 PDT

$150 of $775 raised.

Started raising funds on May 2, 2012

Elmira is 55 years old and is married with two children. She sells different kinds of products at her shop in the market. At the moment this picture was taken, she was moving her stock to a new location that she rents at the central bazaar. Elmira has 10 years of experience in her field and her son helps her to sell products. Elmira is a very polite and friendly women and her customers love her. She earns 300 AZN each month. Elmira is requesting a 600 AZN loan to increase the number of popular products she sells such as macaroni, sugar, salt, beverages, rice, and ice cream. This will be her third loan and she has a good repayment history.

Zahid : Azerbaijan

Wed, 02 May 2012 17:20:02 PDT

$150 of $1,275 raised.

Started raising funds on May 2, 2012

Zahid is married and raising two children. He is an internally displaced person (IDP) who lives in Bilasuvar. Zahid buys and sells livestock and he currently has three head of livestock on his farm. His livestock business is the only source of income for the family and his monthly income is 250 AZN. Zahid is requesting a 1,000 AZN loan to expand his business and buy livestock and animal feed. He is a very hardworking person and this will be his second loan from AqroInvest and Kiva. Zahid thanks everyone for the offered support.

Bakhtiyar : Azerbaijan

Mon, 14 May 2012 12:20:04 PDT

$150 of $1,925 raised.

Started raising funds on May 14, 2012

Bakhtiyar is a 40-year-old man who is married and has two sons. He is a market vendor and sells potatoes, onions, and other seasonal vegetables in his wholesale market. He has ten years of experience in this field. He rents a car to drive around the villages and buy fresh potatoes and onions from local farmers which he then sells for a profit. He usually makes this gathering twice a month. His business brings him a stable income of AZN 250 and this is the only source of income for his family. Fresh and organic vegetables are very popular among local people and Bakhtiyar always chooses the best to sell. He applied for a loan of AZN 1500 to purchase more vegetables to sell as it is summertime and people use fresh vegetables almost every day. This will be his third loan and he has good client history.

Natiq : Azerbaijan

Mon, 14 May 2012 11:30:10 PDT

$100 of $1,550 raised.

Started raising funds on May 14, 2012

Natiq is 47 years old and married with two sons. He is a foreman, but his primary business is serving people lunch and dinner in his café. He has four years of experience. He decided to start his own business several years ago because his income as a foreman was not stable and very low. People in Azerbaijan like to have lunch in national-style cafes, as well as spend time with friends in the evening drinking tea with homemade jam. Natiq`s place doesn’t look very attractive, but his food is delicious and that’s why his café is full of people. His monthly income is 300 AZN and he would like to increase it. For this purpose he applied for a loan of 1,200 AZN. He will use this loan to renovate his café. This will be his second loan and he has a good client history.

Sabir : Azerbaijan

Mon, 14 May 2012 11:30:10 PDT

$50 of $1,925 raised.

Started raising funds on May 14, 2012

Sabir is a 57-year-old, married man with three children. He has been breeding livestock from a very young age, thanks to his father, who taught him the best breeding methods. With several years of experience under his belt, Sabir has acquired the knowledge and skills required for the business.

He purchases calves in the central livestock market and raises them. After fattening the animals he resells them for profts at the livestock bazaar. Meat is in very high demand in Azerbaijan because people use it in everyday dishes like pilau and dolma. His business operations require a lot of physical strength as Sabir spends most of his time in the open air, but his wife helps him to feed the animals.

He explains that his monthly income is approximately 300 AZN, but he hopes to increase his monthly income. As meat is in high demand, he needs more capital to put to his business and cater to the market. For this purpose he applied for a loan in the amount of 1,500 AZN. He will use the loan proceeds to buy cattle (two), one milk cow and fodder. This would be his fourth loan and he has a good record of repaying his loans.

Sakit : Azerbaijan

Mon, 14 May 2012 11:40:19 PDT

$150 of $1,275 raised.

Started raising funds on May 14, 2012

Sakit is a 53-year-old, married man with one daughter. For ten years, he has grown fruits and vegetables in his garden. As a result, he is a very experienced farmer with significant knowledge of the land and how to cultivate it. He was not able to find a job for several years, so he decided to start his own business. He is the only source of income for his family.

Sakit usually grows seasonal fruits and vegetables and sells them for profits at the central bazaar. Fresh fruits and vegetables are very popular and are in high demand because they are very healthy daily food options for people in the area. In addition, one of the popular national dishes, dolma, is made of fresh eggplants, peppers and tomatoes. His monthly income from this business is approximately 200 AZN.

Now Sakit would like to invest more capital in his business so that he can purchase seeds and fertilizers. For this purpose he applied for a loan in the amount of 1,000 AZN. He hopes that the loan proceeds will improve his family's living conditions. This would be his third loan and he explains that he has a good history of repaying his loans.

Zulfali : Azerbaijan

Mon, 21 May 2012 14:10:02 PDT

$25 of $1,925 raised.

Started raising funds on May 21, 2012

Zulfali is a 60-year-old, married man with three children. He is a market vendor; specifically, he sells different kind of goods such as flour, beverages, macaroni, butter and candy. He has seven years of experience in this business and therefore has a great deal of knowledge about the market and the demands of customers. Zulfali is a very successful entrepreneur, partly because of his shop's great location in the central bazaar of his home town. Food products he sells are very popular among the local people and are in high demand. His monthly profit from selling various foods is approximately 300 AZN. His son helps him purchase products and bring them to the shop. He is the sole source of income for his family. He applied for a loan in the amount of 1,500 AZN to purchase more food products and to diversify the range of goods to satisfy his customers` demands.

Alyar : Azerbaijan

Mon, 14 May 2012 12:10:03 PDT

$125 of $1,550 raised.

Started raising funds on May 14, 2012

Alyar is a 50-year-old, married man with two children. He has been breeding livestock from a very young age, thanks to his father, who taught him the best breeding techniques. During his years of experience, Alyar has acquired a great deal of knowledge and skills required for the business. Now he has a large livestock farm.

He purchases lambs and calves in the central livestock market and raises them. After fattening the animals he resells them for profits at the livestock bazaar. Meat is in very high demand in Azerbaijan because people use it in everyday dishes like pilau and dolma. His explains that his business requires a lot of physical strength as Alyar spends most of his time in the open air. His wife helps him to feed the animals.

His monthly income is approximately 300 AZN, but Alyar wishes to increase his income in the future. As meat is in high demand, he needs more capital to put to his business and to reach the market. For this purpose he applied for a loan in the amount of 1,200 AZN. He would use the loan proceeds to buy three cattle and fodder.

Karim : Azerbaijan

Mon, 14 May 2012 12:30:04 PDT

$75 of $1,550 raised.

Started raising funds on May 14, 2012

Karim is 30 years old. He is married and has one son. He used to work as taxi driver but his salary was too low, so he started his own business. For the past two years, he has been selling mobile phones and accessories in his shop. He earns a monthly income of 200 AZN. He has applied for a loan of 1,200 AZN to expand his business and purchase more merchandise. Mobile phones are very popular and Karim wishes to diversify his inventory of phones to meet market demand.

Rza : Azerbaijan

Tue, 15 May 2012 03:20:02 PDT

$100 of $1,925 raised.

Started raising funds on May 15, 2012

Rza is a 44-year-old man. He is an IDP (Internally Displaced Person), who lives in the Bilasuvar IDP Settlement with his wife and two sons. He is a farmer and has grown seasonal fruits and vegetables for the last 18 years. He chose this business because it is profitable and fresh crops are in high demand. People use fresh vegetables everyday and consider them healthy; many national dishes are made from vegetables, like pilau and dolma. Fresh fruits are served on every family table in Azerbaijan and are also used to make fresh punch. Rza sells his crops in the Bilasuvar central bazaar. His monthly income is 80 AZN. His wife actively helps him to grow crops. As these products are in high demand, Rza wants to expand his business and produce more fruits and vegetables to meet market demand. For this purpose has he applied for 1,500 AZN. He will buy new garden tools, seeds and fertilizers. This will be his fourth loan and he has a positive loan history.

Allahverdi : Azerbaijan

Tue, 15 May 2012 05:50:02 PDT

$0 of $1,275 raised.

Started raising funds on May 15, 2012

Allahverdi is a 68-year-old man on a pension. He is married with three children. He lives with his family in Bilasuvar. He breeds cows and sells milk, milk products and cattle for meat purposes to local butchers. Allahverdi has more than 20 years of experience in this field, thanks to his father who taught him how best to look after cattle. Allahverdi usually buys young cows, and then raises and fattens them. Within five to six months, he resells them for profit in the local livestock bazaar. He also sells milk and yogurt to his neighbors. Through milk and meat selling, he earns 300 AZN per month. Milk, yogurt and meat are very popular products in Azerbaijan. People use meat in everyday national dishes such as pilau and dolma. Milk products are considered very healthy and are also present in everyday life. There is only one income in his family, which is not enough to cover the basic needs of his beloved children. Allahverdi has applied for 1,000 AZN to purchase one milk cow and fodder. This will be his second loan from AqroInvest. Allahverdi has a good client history.

Vidadi : Azerbaijan

Tue, 15 May 2012 07:01:55 PDT

$25 of $1,800 raised.

Started raising funds on May 15, 2012

Vidadi is a 39-year-old man who is married and has four children. He is IDP (an internally displaced person) and lives in the Bilasuvar IDP settlement. Vidadi has bred cattle and cows for the last eight years. He works as school teacher and his salary is 120 AZN, which is too low to cover family needs. Vidadi usually buys small calves, raises and fattens them for five or six months and then resells for a more profitable price in the livestock bazaar. His monthly income is 200 AZN and this business is the main source of financial income in his family. Beef is in very high demand in Azerbaijan and people use it in everyday dishes like pilau and dolma. Vidadi also keeps milk cows for personal use and for selling to neighbors. He wants to expand his business and improve the living conditions of his family. He applied for a 1,400 AZN loan to purchase one milk cow, two cattle and fodder. This will be his third loan from AqroInvest CU and he has a good client history.