Gulabbas is 55 years old and the father of three children. His wife is a housekeeper. To earn a living, Gulabbas owns a two-hectare field for cultivating vegetables such as tomatoes and potatoes. He also has a garden where he grows fruit. He makes 150 USD profit from selling his crops. He usually sells them in the central bazaar. On his land, Gulabbas is now unable to do any planting because he does not have enough money for seeds and fertilizer. To deal with this problem, he decided to ask for a loan of 1500 AZN to buy the necessary supplies. Gulabbas sees this as an opportunity to obtain a better yield which will improve his family's living conditions. This will be his second loan.
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.