Sharafat A. is very hardworking woman. Sharafat is single and lives with her parents. She tries to make more money for the family by working hard each day. About 3 years ago, she decided to start raising and selling animals. She raises calves and later sells dairy products according to her clients' demand at the markets. Her monthly income is 150-250 AZN. She prepares the dairy products for the eating pleasure of the people in her area.
Since Sharafat hopes for a great future, she decided to expand her businesses with the purpose of improving her family's living conditions. For this purpose she applied for 800 AZN and will buy one additional milk cow.
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.