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Ismayil is 54 years old. He is married and lives with his wife and son, who is aged 19. His family, wife and son are engaged in trading. His wife imports clothes, and their son sells them at the bazaar.

Ismayil has a car and works as a taxi driver. He has been a driver for 19 years. He serves local people and earns income.

With a previous loan he received from VFAC, Ismayil repaired his car, as it was damaged and had long distance service problems.

Ismayil now needs to improve his home, so he is applying for a loan from Kiva and VFAC to buy cement, bricks and sand. With this he will be able to cover the necessities of improving the house and giving his family a healthier life.

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
  • 23
    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 $2,050 helped Ismayil to buy cement, bricks and sand to improve his house.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 27, 2013
Mar 12, 2013
Currency Exchange Loss:
Apr 16, 2014