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Valida is 52 years old. She is an IDP (internationally displaced person) from Fuzuli city, but now she lives in Absheron region. She is married and has three children; two sons and a daughter, ages 18, 20 and 22 years old. Her daughter is studying at the university. One of her sons is working at a store and the other son is working as a taxi-driver.

She is a seller; she sells home things such as pillows, kettles, etc. at her home. She has been running this business for five month. She works at the business every day of the week and works alone. She also earns income from underwear clothes.

Valida wants to buy new things, she needs a loan of 1,900 AZN. The reason she applied to Kiva organization. She thanks to Kiva for helping her business.

In the future, Valida plans to open a store for home things and see her business improve. She wants her daughter to successfully graduate the university and become a doctor.

Additional Information

More information about this loan

This loan supports Komak clients who are designated as Internally Displaced Persons (IDPs) in 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. Azerbaijan is home to over 600,000 IDPs, who face limited access to employment adequate housing, water and electricity. Many of these people have also failed to qualify for loans through formal channels due to low income and lack of collateral. Komak has been working to support IDPs since 1999. By funding this loan, you are creating opportunities in extremely underserved communities.

About Komak

Komak means “help” in Azerbaijani. As of its creation in 1999, Komak has kept true to its name by helping thousands of Internally Displaced Persons, refugees and the economically disadvantaged by providing these groups with sustainable credit services. As of 2010 Komak’s $2.5 million portfolio serves 1513 clients, 81% of whom are IDPs, and 40% of borrowers are women. In 2009, Komak was cited in a report by the United Nations General Assembly as one of Azerbaijan's prominent forces in restoring the local economy by enabling small and medium enterprises with credit. For more on Komak, please join our lending team, Friends of Komak Credit Union.


About Azerbaijan

  • $10,800
    Average annual income
  • 24
    View loans »
    Azerbaijan Loans Fundraising
  • $14,897,700
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,425 helped Valida to buy new inventory for her home shop.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Sep 11, 2013
Oct 4, 2013
Currency Exchange Loss:
Sep 17, 2014