Emil is married and has one child. He sells wholesale foodstuffs at his grocery store. His location is very good and he serves many customers because he is willing to work late. In this business for eight years, he knows a good deal about it. Emil is also a very punctual and detail-oriented person, character traits that help him in his business. Emil can always figure out how many supplies he needs to ensure they are always fresh and of sufficient quantity to meet customer needs. Emil has applied for a loan to increase his inventory of items to sell. He will spend the additional income made possible by this loan to improve his living conditions.
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.