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Nayiba is 36 years old and the mother of four children. She is an IDP (internally displaced person) and lives with her husband and kids in the Bilasuvar IDP Settlement. She is a refugee from Jabrayil. She is very kind and caring, and also very energetic in her work. Nayiba grows vegetables and fruits and sells them in the bazaar. She plants tomatoes, potatoes, eggplants and other vegetables and fruits. She says, even though this business is very hard, she and her husband handling the business together for seven years without any difficulty. Her income from vegetable and fruit sales is 150 AZN. She has plans for the future, such as to getting more land for cultivation. She is looking forward to increased sales in the coming summer, because people buy fruit a lot. She has applied to Aqroinvest for a loan of 2,000 AZN. This loan is for the purpose of buying new fertilizer and seeds. It will help her to grow more vegetables and fruits, in order to obtain more revenue in the coming summer, which will help her to cover her family’s needs.

Additional Information

More information about this loan

This loan is designed for clients residing in settlements for Internally Displaced Persons (IDPs) in Bilasuvar, 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 (source: UN Office for the Coordination of Humanitarian Affairs). Many of these people have failed to qualify for loans through formal channels due to low income and lack of collateral. By funding this loan, you are creating opportunities and supporting economic development in extremely underserved communities. 

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
  • 26
    View loans »
    Azerbaijan Loans Fundraising
  • $14,887,650
    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 Nayiba to buy fertilizer and seeds for her fruit and vegetable farm.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jun 19, 2013
Jul 6, 2013
Currency Exchange Loss:
Oct 17, 2014