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Zumrud is 33 years old. She has dedicated most of her time to caring for her children and administering her store, in which she sells common household items. Thanks to her work, she generates the income necessary to support her family. She loves her work and puts her heart into it. From this business, her monthly profit is 170 AZN.

Zumrud's husband is a worker, but sometimes he also helps her to sell products. She sells tea, sugar, sweets and other items. She does not have enough funds to buy more products for her market. Because of that, Zumrud needs a loan.

She has already taken 5 loans from Aqroinvest in the past. With a good loan history, she has applied for sixth loan of 2000 AZN. With this money, she wants to invest in her business and buy more products. Her good client history indicates her willingness to repay.

Additional Information

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
  • 37
    View loans »
    Azerbaijan Loans Fundraising
  • $14,668,525
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD
A loan of $2,550 helped Zumrud to invest in her business and buy more products.
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 10, 2013
Jun 2, 2013
Currency Exchange Loss:
Jul 2, 2013