Ayna is a 47-year-old woman who has raised and sold fruits and vegetables for the last nine years. Ayna sells her crops in the local bazaar and her monthly income is 160 Azerbaijan Manats (AZN). Ayna 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.