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Elnur is a 21-year-old, young provider of the family. He takes care of his mother, brother, and sister. Elnur's father has died and his teeny sister receives a pension from his father's job place until she will graduate.

To improve family living conditions, he changed his plans about his own future and, four years ago, he started carpenter work. He is engaged in the manufacture of doors and windows. His brother is assisting him at the workshop he has rented.

Elnur is a hard-working man and there are less difficulties at his work now. His desire is to take new and modern instruments and use them to produce high-quality service.

The reason Elnur has applied for the loan is to buy wooden materials to make the windows for their house. The windows are rotten now and keep the house cold in winter. He will make the windows himself at his workshop.

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
  • 25
    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 $1,275 helped Elnur to buy wooden materials to make the windows for their house.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 29, 2013
Feb 8, 2013
Currency Exchange Loss:
Mar 17, 2014