Zamina is married and has three children. The knowledge acquired from her parents and grandparents has contributed to Zamina's work raising cattle for the last 10 years.
Zamina's work in animal sales generates a good income for her family. She usually earns the equivalent of 250 US dollars (USD) per month. This income comes from meat and dairy selling. Currently she has two cows in her house. Her husband works as an accountant in a local company, but his salary is only 150 Azerbaijan New Manats (AZN) per month and so raising cattle is the main financial profit in Zamina's family.
She would like to gradually increase the variety of her animals and is seeking a loan of 1000 AZN. This will be her fourth loan and she has a good credit history.
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.