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Rauf is an IDP (Internally Displaced Person) and now lives in the Fuzuli region, which is close to the occupied border. He is 40 years old, married, and has two daughters, a 10-year-old and a 16-year-old. Rauf's daughters go to school. He wants his daughters to become teachers of history and geography. His wife stays at home, so he is the only one making an income.

Rauf started his business 7 years ago, to raise cattle and to sell milk. Now he needs a 2,000 AZN (Azerbaijan New Manat) loan to buy calves to increase the amount of dairy products he will have to sell at local bazaars. He wants to use the money from his new business to help his family and to provide a good future for his children. In the future, Rauf wants to have a big farm for calves. This will be a more profitable business. Rauf is thankful to Komak and Kiva for supporting him.

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.

About Azerbaijan

  • $10,800
    Average annual income
  • 24
    View loans »
    Azerbaijan Loans Fundraising
  • $14,897,700
    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 Rauf to buy calves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 27, 2013
Apr 19, 2013
Currency Exchange Loss:
Apr 16, 2014