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Arzu, age 47 and widowed, is a dairy farmer. She is a kind and hard-working person. She has dedicated 13 years of her life to her agricultural activities, and she has become an experienced farmer.

Arzu brought up her three children alone after her husband's death. They are 17, 23, and 25 years old. All her efforts have been and will be for the sake of securing their education and providing for their future. She herself has only a secondary education. Her eldest son works abroad and the second-eldest is studying in Baku, the capital of Azerbaijan. Her youngest son (pictured with her) helps her at home and with her agricultural activities.

She is requesting a loan in the amount of 1600 AZN in order to buy a dairy cow.

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
  • 23
    View loans »
    Azerbaijan Loans Fundraising
  • $14,856,925
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD