Ramziyya is a 33 year old woman, married with two daughters. She is a market vendor and sells detergents such as washing powder, soap, shampoo and others. She has seven years of experience in this field, which has made her a knowledgeable and skilled person.
The products she sells are very popular among women. Ramziyya is always friendly and polite with her customers, which makes her business successful. Her monthly profit is 250 AZN. This business is the only source of income for her family so Ramziyya`s husband helps her with the business.
Ramziyya would like to expand her business and purchase more merchandise and diversify the range of products she sells. For this purpose, she applied for 1500 AZN. She has already demonstrated herself as a good client with a positive credit history.
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.