Mirdamat is a single man aged 21. He makes a living selling foodstuffs at his grocery store. His location is very good and he serves many customers because he is willing to work more than 12 hours a day. Mirdamat has been in this business for three years and knows a good deal about it. He is also very punctual and detail-oriented, character traits that help him in his business. Mirdamat can always figure out how much stock he needs so there is enough on hand to meet customer needs yet it is always fresh. Mirdamat 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 and to make savings to build his house.
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.