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Gulu is a farmer, and she is single. Her mother has been sick for many years, and Gulu has taken care of her mother so far. As well, Gulu didn’t leave her father alone, so she hasn’t married.

Over this time, her father has died but she still lives with her mother in Fuzuli region, which is near a war zone. Her family are IDP (Internally Displaced Persons) from Fuzuli City.

It’s noted that she is a farmer, and Gulu has few cows. She makes dairy products and sells them. She also sells cows to a butcher.

Today she needs a loan of 2,300 AZN (Azerbaijan New Manat). She will use this loan to buy a few cows to increase her monthly income and business. She is thankful to the Komak company, the Kiva organization, and lenders for their help.

In the future, she wants to build a new and big stall for cows.

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
  • 27
    View loans »
    Azerbaijan Loans Fundraising
  • $14,860,125
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,950 helped Gulu to buy a few cows to increase her monthly income and business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 13, 2013
Nov 30, 2013
Currency Exchange Loss:
Dec 17, 2014