Ehtiram M. is a 49-year-old farmer who sells seasonal fruits and vegetables together with his wife. Ehtiram has three children. He sells the fruits and vegetables in the street of his home city, Sabirabad, and has been doing it for the last three years. He applied for a loan of 1000 AZN to purchase seeds and fertilizer. He wishes to open his own shop next to his house in the near future.
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.