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Update on Ilham

Ilham is an IDP (Internally Displaced Person) from Fuzuli. He lives in the Fuzuli region, which is close to the occupied border. Ilham is 34 years old, married, and has two children, an 8-year-old daughter and a newborn son. His daughter goes to school. Ilham's daughter wants to become a doctor. His wife stays at home, so he is the only one making an income. This is Ilham's second loan from Kiva. He started his new business 8 month ago, selling children clothes. Now he needs a 2000 AZN (Azerbaijan New Manat) loan to buy clothes and shoes for children. He wants to use the money from his new business for his newborn son because he was born 3 months early and they need money to pay the doctors that saved their son. Murad is thankful to Komak and Kiva for supporting him again.

Previous Loan Details

Ilham M. is thirty-two and married with one child in first grade. He is an IDP [Internally Displaced Person] from the city of Fuzili and now lives with his beloved family in the Fuzili region. For the past six years Ilham has been in the cattle business. His father was a cattleman, so from c... More from Ilham's previous loan »

Additional Information

More information about this loan

This loan supports Komak clients who are designated as Internally Displaced Persons (IDPs) in 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. Azerbaijan is home to over 600,000 IDPs, who face limited access to employment adequate housing, water and electricity. Many of these people have also failed to qualify for loans through formal channels due to low income and lack of collateral. Komak has been working to support IDPs since 1999. By funding this loan, you are creating opportunities in extremely underserved communities.

About Komak

Komak means “help” in Azerbaijani. As of its creation in 1999, Komak has kept true to its name by helping thousands of Internally Displaced Persons, refugees and the economically disadvantaged by providing these groups with sustainable credit services. As of 2010 Komak’s $2.5 million portfolio serves 1513 clients, 81% of whom are IDPs, and 40% of borrowers are women. In 2009, Komak was cited in a report by the United Nations General Assembly as one of Azerbaijan's prominent forces in restoring the local economy by enabling small and medium enterprises with credit. For more on Komak, please join our lending team, Friends of Komak Credit Union.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Azerbaijan

  • $10,800
    Average annual income
  • 26
    View loans »
    Azerbaijan Loans Fundraising
  • $14,891,825
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,550 helped Ilham to buy children's clothes that will allow him a higher income and be able to pay the doctor bills from when his newborn son was born.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 27, 2013
Apr 10, 2013
Currency Exchange Loss:
Apr 16, 2014