Nadim is 32 years old, married and the father of two children. For the last seven years, he has made a living selling fruit, including apples, peaches, bananas, orange and pomegranates, in the local market. He is very skilled at what he does and knows how to store the produce to keep it marketable, nutritious and good tasting. He is known locally for having excellent prices and outstanding service, which allows him to earn a substantial and stable income for his family. During the summer, his goods are in high demand and he is applying for a loan for 1,000 AZN to expand his business by buying more fruit to sell.
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.