Ibadet A. is a young 22-year-old businessman who lives in Yalavach village, in Imishli town, in the southern part of Azerbaijan. He started his toy business in 2005 and since then his income has considerably increased. He is planning on expanding his business and has ordered a consignment of toys from Moscow (Russia); these include mechanical and educational toys. He has saved some money but is requesting a loan of $1200 USD to make the payment for the first consignment. His entire consignment costs no more than $4,000.
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.