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Ulviya is 37 years old. She is divorced and has 3 children. She and her family are IDP (Internally Displaced Persons) from their native land of Agdam city, Azerbaijan. Now she lives with family in the country's Abseron region. One of her daughters goes to seventh grade, another goes to fifth grade, and her son goes to ninth grade.

Ulviya sells cosmetic and cleaning products like shampoo, perfume, pomade, lipstick, etc. in own home. This is how she provides for her family. She is a hardworking woman, and works a lot in order to care for her children.

Today Ulviya wants to increase her business. To do that, she needs 2200 AZN (Azerbaijan New Manat) to buy more products. She's thankful for Kiva's aid. In the future, Ulviya wants to rent a store so she can increase her business.

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 $2,825 helped Ulviya to buy shampoo, perfume, and other personal products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 22, 2014
Feb 4, 2014
Currency Exchange Loss:
Feb 17, 2015