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Esmer is a very friendly and smiling person. She is an IDP (Internally Displaced Person) and lives in the IDP Settlement with her father. She is a widow. She lost her husband during the war; since then, she gave her word that she will never marry again. She is a farmer raising seasonal fruits and vegetables. She has more than seven years of experience, which makes her an experienced and skilled person in this field.

Esmer usually sells her crops in the central bazaar. People use fresh vegetables everyday and consider them healthy. Many national dishes made from vegetables, like pilau and dolma. Fresh fruits are served on every table in Azerbaijan families and are also used to make fresh punch. Her monthly income is 50 AZN. Raising crops is takes a lot of strength, She is working in the open air, which is very hard for a woman and that why her father helps her.

She needs additional capital to invest in buying seeds and fertilizers. This will allow her to improve quality of the products she raises and increase monthly turnover. For this purpose she applied for a 1,000 AZN loan.

Additional Information

More information about this loan

This loan is designed for clients residing in settlements for Internally Displaced Persons (IDPs) in Bilasuvar, Azerbaijan. An internally displaced person (IDP) is someone who has been forced to flee his or her home due to armed conflict, violence, human rights violations, or natural or manmade disasters, but who, unlike a refugee, has not crossed an international border (source: UN Office for the Coordination of Humanitarian Affairs). Many of these people have failed to qualify for loans through formal channels due to low income and lack of collateral. By funding this loan, you are creating opportunities and supporting economic development in extremely underserved communities. 

About Aqroinvest:

Aqroinvest Credit Union was founded in 2001 by a group of 32 farmers from Imishli. It has since grown to become the largest credit union in Azerbaijan, owned by its more than 5,400 borrowers and boasting a portfolio of nearly US$12 million.
AqroInvest is focused on providing loans to the following groups of people: rural farmers, people living in distant southern villages with little or no access to finance and internally displaced people and refugees, many of whom lost their homes and livelihoods during the violent conflicts in the 1990s.

In May 2011, Aqroinvest started a new project with Kiva proving higher education loans to students. The project gives students the support and financing they need to continue their education and helps pay for tuition fees at various universities in Azerbaijan. Aqroinvest is the first credit union in the country to offer students loans.

About Azerbaijan

  • $10,800
    Average annual income
  • 41
    View loans »
    Azerbaijan Loans Fundraising
  • $14,668,525
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Esmer to buy seeds and fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 22, 2012
Sep 12, 2012
Currency Exchange Loss:
Aug 17, 2013