44 years old, is one of theASM clients. She and her family are
IDPs who left their home as a result of the war with Armenia in
1991. They currently live in Immgulubayly as refugees from Agdam.
Fatma has two children: a daughter of 15 and a son of 17. Both attend
school while her husband is unemployed.
Fatma has completed a typing course and worked as a secretary for
about 6 years in Agdam before the war. After moving to Imamgulubayly
as a refugee, Fatma started a small business buying and selling
clothes and food.
In May of 2002, she heard about Save the Childrens
CBLS program and decided to apply for a loan to expand her business.
Fatma started with a loan of 450,000 Azm. She has continued taking
loans and is currently on her 4th loan.
With the help of the loans, Fatma has also been able to buy a shop
for her enterprise and increase the size of her stock. Before she
used to walk around selling her goods in other villages which limited
how much she could sell. With the last loan she bought cucumber
seeds which she is growing to sell in her shop.
As her business has grown, she has involved the whole family. Now
her husband helps her with the shop. For instance, her husband will
run the shop while she goes to buy materials. This allows her to
expand the business and increase the family income.
After the loan I can also sell my goods on credit to poorer
people as I have enough funds now. And with the increased income
I am able to provide education to my children and I have bought
some household items such as a television and some armchairs and
other furniture. I am very happy to say that the ASM loan helped
me to expand and sustain my business. I keep the whole family involved
in this business and this is now our family business. I wish that
this service becomes permanent, so that I and other people like
me could benefit from your program.