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Ziyad has been married for 13 years and has three children ages six, nine and 11. His wife is a housewife who helps him with his job. Ziyad is a gardener who grows pomegranate, which is a very useful and commonly used fruit in Azerbaycan. Pomegranate is used to prepare “Nar sarab” and is also used in salads and national dishes such as “qutab.” Ziyad collects pomegranates but can’t sell them because the car he uses for transport was damaged and he cannot afford the repair.

Ziyad is requesting a 1,500 AZN loan through Komak to repair his car. He is thankful to the Kiva organization and lenders for help. In the future, Ziyad wants to plant more pomegranate trees.

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
  • 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 $1,925 helped Ziyad to repair his car to transport produce.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 26, 2013
Dec 9, 2013
Currency Exchange Loss:
Oct 17, 2014