Heyran M. is a 57-year-old entrepreneur who has been involved in the poultry business for the last 12 years. She is married and has four children. Heyran sells chicken and geese to the local cafes and once a month at the livestock bazaar. Her monthly income is about 150-200 AZN. Heyran also keeps cows for milk and dairy products for her family. She would like to expand her livestock business, so she applied for a 600 AZN loan to purchase one milking cow and more poultry.
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.