Ashraf M., 48, is an experienced and very successful cattle breeder who has lived and raised cattle in Bilasuvar since 2002. Ashraf is married and has three children. He is a master of construction and builds houses on demand, but it happens very seldom, so Ashraf's main financial income comes from cattle breeding. He needs 1000 AZN to purchase two calves and fodder. This will allow him to sell more calves, increase his income and improve his family's living conditions.
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.