İslam M. is a married father of two sons. His family lives in Agsu city where İslam runs a small grocery store downtown. İslam's store is well known in the neighborhood as he serves his customers well and works late hours, which is very convenient for many customers who work late and go shopping after they are done with work. İslam has been in business for 9 years. Currently he is seeking a loan of 2000 USD to purchase more inventory, so he can increase the variety of goods he offers. İslam had some struggles when his business was growing and becoming self-sustainable, but he handled all those challenges pretty well and is looking toward the future with much enthusiasm and optimism.
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.