Rakhila is a 53-year-old farmer who has raised fruits and vegetables for the last 15 years. She is widow and has three children. She usually sells her crops in the local bazaar. Her son helps her to raise crops and take them to the bazaar. Rakhila's business brings in 300 Azerbaijan Manats (AZN) in profit but this is too low to cover the family's needs. Rakhila applied for a loan of 1000 AZN to purchase seeds and fertilizers.
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.