Raila is a 51-year-old woman, who has been engaged in milk sales for the last four years. Rakhila is married and has five children. She has two milking cows and sells milk and homemade yoghurt to the local people. Raila's profit in this business is 150 AZN per month. This is the only financial income in her family and Raila is aiming to expand it. To do that she has applied for a 1000 AZN loan to purchase one milking cow and fodder.
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.