Najiba Quilyeva is a 37-year-old farmer who keeps poultry for selling in Bilasuvar in the southern region of Azerbaijan. Najiba is internally displaced person who fled from Jabrail region to Bilasuvar during the Azerbaijani-Armenian conflict. She has seven years of experience in raising poultry. She sells hens and eggs to the local bazaar traders and sometimes to her neighbors. Najiba lives with his husband and four children. Poultry is the only source in their family. It is very hard to cover family needs keeping just poultry. Many times Najiba wanted to expand her business and purchase additional hens and also geese and turkeys, but children needs and other family problems didn’t allow her to do it. Borrowing a loan is the only possible way to expand her business and she has applied for 1000 USD. The estimated cost for poultry is 10-15 USD.
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.