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H. Etiram is an Internally Displaced Person ( IDP ) from the Azerbaijan- Armenian conflict territory Khocavand region, situated in the western part of the Azerbaijan Republic in the Caucasus region. He settled with his family in Sumgait city. He is 37 years old and single. He lives with his parents.

Etiram is the only breadwinner in family. Having borrowed a loan amount of $500 from Normicro, he rented a shop. The second time, he borrowed $700 and built the grocery store. The loans were paid back in a timely manner. The third time he applied for a loan of $1,000 to expand the shop and to increase the food assortments. He has already overcome this obstacle, too, and paid his monthly payments in time.

Now, he needs $1,200. With this loan, he will to expand his business, open a vegetable section and buy different sort of foods. He hopes eventually to expand his business. He will repay the loan within 12 months.

About Azerbaijan

  • $10,800
    Average annual income
  • 24
    View loans »
    Azerbaijan Loans Fundraising
  • $14,897,700
    Funds lent in using Kiva
  • 0.9
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Etiram to expand his business, open a vegetable section and to buy different sort of foods.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 29, 2007
Nov 12, 2007
Currency Exchange Loss:
Jan 20, 2009