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Camal is a motivated, 60-year-old married man with four children. In order to provide his family with all of the necessities, he started a taxi service business 22 years ago. His wife receives a 100 AZN pension that helps with their communal expenses. He has an individual approach to each customer, and this is why he has many clients.

In the future Camal would like to purchase a new car, but he realizes that he has a responsibility to his family and has therefore delayed his new car purchase. Today he has applied for a home repair loan. He will rebuild the terrace of his house, which creates a poor and risky condition for his family.

Additional Information

About VisionFund AzerCredit:

Vision Fund AzerCredit was established in 1996 to provide credit to ensure people can take control over their own lives and livelihoods.

While VF AzerCredit works both in the urban and rural areas of Azerbaijan, the emphasis is placed on providing loans to micro and small rural entrepreneurs and self-employed poor, covering remote areas, which are not bankable.

AzerCredit provides group loans, agriculture loans and household and family loans for small and micro entrepreneurs.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Azerbaijan

  • $10,800
    Average annual income
  • 26
    View loans »
    Azerbaijan Loans Fundraising
  • $14,902,725
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Camal to rebuild the terrace of his house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 6, 2012
Nov 19, 2012
Currency Exchange Loss:
Dec 17, 2013