Kamal is 40 years old. He is married and has two children. From the time he was young, Kamal was learning to work in the small business of cattle and sheep breeding. After he married, he continued working in the same business, watching the business grow as a result of his sacrifices, and seeing his family progressing more and more. But he started independent sheep breeding only four years ago. His hope is to continue growing and improving his business to offer a better future for his children. He usually sells grown sheep in the livestock bazaar and to the local people. His monthly profit is about 200 USD and he would like to increase it to 500 USD. To do that, Kamal is asking for a loan of 1,000 AZN, which will allow him to buy additional sheep.
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.