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Elshad is a 30-year-old married man with three children. His main business is selling milk, yogurt, cheese and curd. With the income he earns, he has started to buy barley seed and sows the land that he owns. He is selling the harvest to generate additional income. The diseases of animals and high drug costs hinder his business. His plan for the future is to increase the number of his animals. With this loan, Elshad intends to buy a cow that will be the first step to his goal and will increase his milk production.

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 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 $1,275 helped Elshad to buy a cow to increase milk production.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Dec 26, 2012
Jan 6, 2013
Currency Exchange Loss:
Mar 17, 2014