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Tashkilat is 52 years old, married and has four children. He is an IDP (internally displaced person) and lives in Bilasuvar IDP Settlement.

For the past ten years Tashkilat has bred cattle and cows. Beef is in very high demand in Azerbaijan, and people use it in everyday dishes like pilau and dolmas. He usually buys calves, raises and fattens them for five to six months, then sells them at a profit at the local livestock bazaar. He also keeps milk cows for his family’s use and for making milk products such as yogurt to sell to his neighbors.

Tashkilat's livestock provides a monthly income of 120 AZN and is his family’s main source of income. He also receives a pension, but this and his earnings are still too low to cover his family’s needs.

Tashkilat is applying for a 1500 AZN loan through AqroInvest CU to buy one milk cow, three head of cattle and some fodder. This will be his fourth loan, and he has a good client history. He wants to improve his business and his family’s living conditions.

Additional Information

More information about this loan

This loan is designed for clients residing in settlements for Internally Displaced Persons (IDPs) in Bilasuvar, Azerbaijan. An internally displaced person (IDP) is someone who has been forced to flee his or her home due to armed conflict, violence, human rights violations, or natural or manmade disasters, but who, unlike a refugee, has not crossed an international border (source: UN Office for the Coordination of Humanitarian Affairs). Many of these people have failed to qualify for loans through formal channels due to low income and lack of collateral. By funding this loan, you are creating opportunities and supporting economic development in extremely underserved communities. 

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
  • 40
    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 $1,925 helped Tashkilat to buy one milk cow, three head of cattle and some fodder.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Apr 2, 2013
Apr 9, 2013
Currency Exchange Loss:
Aug 17, 2014