Samir R. is 26 years old. He is a young trader who sells seasonal fruits and vegetables. He uses his father’s car to go to the local farmers to purchase seasonal fruits and vegetables and afterwards, takes them to the most crowded street of Imishli city to start selling them. He also has a place in the center bazaar, but he goes there every second day of the week. This type of business is very profitable and, at the same time, very hard. Samir wakes up at 5 a.m. to go to the local farmers and by 9 a.m. he usually begins his sales. He enjoys his work because he is very sociable. Samir is married and has three children. He works for welfare of his family and to improve their living conditions. He has applied for a 1600 AZN loan.
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.