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Xuraman, a 42-year-old single mother of two daughters, 12 and 16 years old, lives in Baku city where, for the past 10 years, she has been selling woman’s clothes in her small store. Xuraman buys the clothes in Lokbatan, a shopping center where items are sold at low cost, and unlike most of the retail stores in Baku, she sells clothes for bigger-sized women. Because of this, her shop has many loyal customers.

Xuraman is now seeking a loan of 2000 AZN to expand her store. She’d like to buy more clothes to sell and hopes that with additional income, she will be able to hire another employee so that she can spend more time with her children.

Additional Information

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
  • 54
    View loans »
    Azerbaijan Loans Fundraising
  • $14,691,500
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,500 helped Xuraman to expand her store.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 25, 2010
Jun 2, 2010
Currency Exchange Loss:
Dec 15, 2011