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Kifayet is 58 years old. Her mother has been sick for many years and Kifayet has taken care of her mother, so far. In addition, Kifayet didn’t leave her father alone, so she hasn’t married. They are an IDP (Internally Displaced Persons) from Kelbejer city and they now live in the Abseron region.

Kifayet rents a shop where she sells women's clothing, like pants, blouses, and dresses. She has been at this business for 18 years.

Today, Kifayet is planning to increase her business. She needs AZN 2,300 (Azerbaijan New Manat) to buy new seasonal clothes. Therefore, she has applied for a loan to Komak Credit Union. Kifayet is thankful for the aid from the Kiva organization and lenders. In the future, she wants to buy a store to increase her monthly income.

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
  • 21
    View loans »
    Azerbaijan Loans Fundraising
  • $14,850,450
    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 Kifayet to buy new seasonal clothes to sell.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 28, 2013
Dec 16, 2013
Currency Exchange Loss:
Dec 17, 2015