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Ruhangiz has been running a bakery oven for the last two years with the handholding support of two workers. She bakes and sells bread, pita bread and pies.

With this income, she is hardly able to manage the educational expenses of her children in the future. So, with the help of her husband she wants to start an agriculture business parallel with the bakery by taking out a loan from VFAC. With the present loan, Ruhangiz wants to purchase one head of diary cow.

Ruhangiz is 23, married and the mother of two children ages one and three. In the picture, you can see her family at her workplace.

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 Azerbaijan

  • $10,800
    Average annual income
  • 26
    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 Ruhangiz to buy one head of diary cow.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 29, 2013
Apr 24, 2013
Currency Exchange Loss:
May 17, 2014