A loan of $500 helped to buy new equipment.


Emin's story

Mr. Emin is a low income vulnerable person. He is 32 and married with two children. He lives in the town of Saatli. The town is in the south-central flat area of the Azerbaijan Republic, in the Caucasus region.


Emin rents a small tea shop and has hired a young man to assist him (he is pictured). His family's expenditures are increasing as his chidren grow older. Emin has trouble with his business income; it is very small compared to all the necessities demanded for his children.


Emin serves his customers very well, but the equipment he has is not enticing to bring in new customers. Emin applied to Normicro's Saatli branch for a loan of $500 to invest in his business. He hopes KIVA’s lenders can help him change his life.


Loan details


Lenders and lending teams



Loan details