H. Valeh is 46. He is an internally displaced person (IDP) from Nagorniy Karabakh. He has a big family of 5 children. At first, it was enough to have 1 cow and a calf, but later, to cover family needs, keeping another cow and calf became a necessity. He borrowed $1200 from Agroinvest CU to buy 1 cow and 1 calf.
Aqroinvest Credit Union was founded by a group of 32 Imishli farmers in 2001, and has grown to become one of the largest credit unions in Azerbaijan. It boasts a portfolio of nearly $5 million and is wholly owned by its more than 3,500 borrowers, as of December 2011.