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Sarandjam is a 35-year-old woman who is in the picture. She lives in Mahmudlu village of Füzuli region with family, but members of the family are internally displaced persons. Sarandjam has been married for 13 years and has two children, a school-aged daughter and son. They go to sixth and fifth class in the village school. Her children are getting older and her husband’s salary is not enough to cover their increasing expenses. For this reason she wants to develop her business, and that's why she has applied to Komak Credit Union for a loan in the amount of 2100 AZN so she can buy more cattle to expand her business. In the future she wants to give a good education to her children.

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
  • 30
    View loans »
    Azerbaijan Loans Fundraising
  • $14,902,725
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,700 helped Sarandjam to buy more cattle to expand her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 27, 2014
Jun 12, 2014
Currency Exchange Loss:
Jun 17, 2015