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Tovuz is 29 years old. She is married with a daughter, who will go to her first class in September. She is living in Fuzuli region-Dilagarda village, with husband and daughter.

For 21 years Tovuz and her husband have been Internally Displaced Person from the city of Fuzuli. Tovuz sells personal products in a new open store. Today she wants to increase the family retail business, and for that needs a loan in the amount of 2,300 Azerbaijan New Manat (AZN). With this amount Tovuz wants to open a daily food products section within the store: so that she buys goods and stands for new section of her store.

Tovuz hopes that this loan will develop her business and her monthly income will increase.

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
  • 24
    View loans »
    Azerbaijan Loans Fundraising
  • $14,897,700
    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 Tovuz to buy goods and stands for an open daily food products section.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 4, 2014
Aug 26, 2014
Currency Exchange Loss:
Sep 17, 2015