Vahida Z. is a hard-working woman who lives in Sabirabad. She is 55 years old and lives with her husband and three children — two daughters and one son — aged between 23 and 28. Her son and husband are engaged in agriculture which did not cover all the family's needs. In 2005, to help provide for the family, she went into the business of selling jewelry, and since has gained a lot of clients. Vahida sells rings, watches, bracelets and other gold accessories. This is the first loan Vahida has taken from Aqroinvest and Kiva. She used this loan of 1500 AZN to invest in her jewely inventory, so as to increase the number of items for sale and boost her profit.
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.