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This young man is applying to Kiva for his second loan. The first time, in January 2007, he applied for a loan of $1000. With that loan, he was able to improve his business and increase the number of his clients. He successfully repaid that loan.

Etibar is an Internally Displaced Person (IDP) from the Armenian-occupied territory of Azerbaijan, Kalbadjar region, Kilindjli village. He temporary lives with his family in the Khirdalan settlement.

This man sells building materials. Now he is requesting a loan of 2000 AZN to increase the variety of building materials that he sells. He has a lot of clients, and he does not want to loose them.

“I am very thankfull to Kiva that they increased the loan size from $1200 to $3000. For a long time I was waiting for the day when Kiva would increase the loan size. It is the best news for me."

Additional Information

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 $2,500 helped Etibar to increase his supply of building materials.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 6, 2009
Mar 7, 2009
Currency Exchange Loss:
Jul 15, 2010