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Shamil is a vulnerable low-income person. He is 46, is married with five children, and lives in Saatli town in the south-central flat area of Caucasus region in Azerbaijan. Shamil owns a herd of milk cows. Every day he sells milk to the local milk processing shop. His children help him breed cows in the nearby grazing area.

The income from four cows is too low to support the family, and four cows are not enough to increase the number of cows. That’s why Shamil has applied to Norwegian Microcredit Saatli branch for a loan of $500 to buy one more purebred cow to make his monthly income higher. The price of a milk calf is $300, and the cost of breeding is $100. The other $100 he plans to save for unexpected expenditures.

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