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Hafiz is a 53-year-old farmer.

His parents used to work in the fields from morning until the evening, seven days a week. As a child, Hafiz saw that and knew that he will work on a farm one day like his father, because even though the family was poor and faced financial hardship, they were also happy.

He is married and has two children. For the past 21 years he has been involved in raising cattle and smaller livestock. In addition to this activity, he also works on a farm. His wife helps him by producing and selling his own dairy products at home.

With a growing family and more needs to meet, Hafiz would like to increase his business. This is why he has turned to Kiva partner VFAC to purchase additional yearling sheep.

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 $2,950 helped Hafiz to purchase additional yearling sheep.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 6, 2013
May 26, 2013
Currency Exchange Loss:
Jun 17, 2014