Kamala N. is a 47 years old school teacher and sheep breeder in the small village of Imishli. She is married and has one adorable daughter. Kamala works long hours to help cover her family's needs.
Once every two week her husband takes her sheep to the central livestock bazaar to sell them. Kamala needs additional funds to increase her income, to save enough money to send her daughter to college.
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.