Zumrud is a 31-year-old married woman. She has two daughters and one son. Zumrud's husband is engaged in an animal breeding business. This was previously the only source of income for the family, bringing a profit of 250 Azerbaijan New Manats (AZN), but this was too low to cover the family's needs. Two years ago she decided to help him and started to sell fruits and vegetables. Zumrud sells her crops in the local bazaar and her monthly income is 150 AZN. She requested 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.