Shovkat A. is married and has two children. She is dedicated to improving her quality of life and does not regret any efforts to achieve this. She has been working for five years raising young cattle. Shovkat built a small stable in her house in order to do this, and her earnings represent her long-term efforts to care for these animals. She is very enthusiastic about continuing to raise animals since this will permit her to improve her living conditions. Shovkat has asked for a loan of 1,000 AZN to purchase young cattle to expand her business.
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.