Ziya B. is 36 years old and married with two children. The plans that he has for his family are to improve their living conditions and to prepare his two children for professional life. Ziya has had his grocery store for four years; he started it with his own resources through his work. He wants to increase the sales of new products preferred by his clients. Ziya plans to meet his economic plans by purchasing products such as bread, tinned goods, sweets, and juices to grow his revenue. For this purpose he applied for 1000 AZN loan.
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.