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Kamala is a conspiratorial and shy woman. So in the picture you will see only her children. They are 24, 22 and 19. Her eldest daughter is working in the registration department of a small company.

Kamala has been engaged in farming for more than 18 years. She sells milk, dairy products and animals for their meat. After a long term request of her children, she decided to build a new bathhouse. The old bathhouse is inadequate. They have to heat water in a bucket and carry heavy buckets to the bath. She applied for 1,500 AZN for the implementation of her children's wish.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

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