Gulshan is a 26-year-old woman who engages in milk sales and cattle breeding. She is married and has three children. Together with her husband, she raises cattle and resells them for a higher price for meat purposes. Her income comes from milk products as well. Her business generates a stable monthly income of 200 AZN. She applied for a 1,500 AZN loan to purchase one milk cow and two calves.
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.