Vilayat A. is one of the newly established farmers in the Saatli region. He is a 21-year-old single man. He is engaged in the business of cattle breeding. Specifically he buys calves, raises them and sells their meat and mil at the Saatli bazaar every day. Vilayat's father actively helps him in this business. He requested a loan in 2000 AZN from Agroinvest and Kiva to buy animal feed and 3 more calves. This is his first loan. His goal is to increase the number of cows to seven.
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.