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Elmir is married with two children. One child is four years old and the other is two years old. Elmir is 29 years old and lives with his family in Baku region. However, they have been IDP (Internally Displaced Persons) from their motherland, Fuzuli city, for 21 years. Elmir's wife is a housewife. Elmir wants to provide a better future for his children, therefore he wants to increase his business and monthly income. Elmir rents a salon and for five years, he has been in the barber shop business. Today, he needs a loan in the amount of 2,000 AZN (Azerbaijan New Manat). With this loan, Elmir wants to repair the salon's water system. He says he is thankful to the Kiva organization and lenders for the aid. In the future, Elmir wants to buy this salon and increase his 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
  • 42
    View loans »
    Azerbaijan Loans Fundraising
  • $14,668,525
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,550 helped Elmir to repair the salon's water system.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 9, 2013
Dec 25, 2013
Currency Exchange Loss:
Nov 17, 2014