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Gulnara G., 38 , is married and has three daughters.She and her family live in a small village in the Saatli region.

Gulnara owns dairy cows and sells milk and yogurt. This is the only source of income for their family. She has decided to expand her business and start raising calves for meat production. Gulnara has applied for a loan to purchase three calves and fodder to speed up the growth process. As summer is high season for weddings, she would like to concentrate on breeding the calves to increase her income.

Additional Information

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
  • 31
    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 $1,000 helped Gulnara to purchase three calves for meat production.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 30, 2008
Jul 10, 2008
Currency Exchange Loss:
Feb 15, 2010