Kamala Q. is a 23-year-old farmer who sells vegetables from her garden to the local bazaar traders. She lives in the 2nd IDPs settlement in Bilasuvar region. Kamala is an internally displaced person who fled from Jabrail region to Bilasuvar in 1993 during Azerbaijani-Armenian conflict. She started her business in 2003 when she was only 20. This idea came to her mind when she felt that very soon she and her family could stay hungry. With saved money, she purchased seeds of some vegetables and during the summer she sold most of her harvest. With the money from her first harvest she saved money for autumn and winter. She is still raising vegetables, but now she wants to expand her business and to rent land for planting and raising more vegetables. For this purpose she has applied for 800 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.