Elchin A. is 44 years old. He sells toys for children in his store in Agsu city. He is married and has three children. Elchin likes selling. His wife helps him. Elchin started his business in 2006. He decided to start his own business when he found himself without an income. With his savings he was able to purchase the first merchandise for his store. For the last five years he has been building his business. Elchin applied for 1000 AZN to purchase more merchandise to sell in his store so he can increase his income.
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.