Yavar is a 32-year-old woman. She is married with four children. She is a market vendor who sells different kinds of food like butter, macaroni, beverages, chips, chocolate, and some home products. She has five years of experience in this field, which make her as an experienced person. During these years, she gained the necessary skills and knowledge to run the business. She knows well the customers needs and is always polite and friendly with them.
Yavar has established her business and relationship with suppliers, which makes her business successful. She has another secret of being so prosperous, it is the good location of her store. It is located in the central bazaar, and during the day, a lot of people pass her shop and always come inside to buy something. The products she sells are very popular. Her monthly income is 200 AZN.
Now, Yavar applied for a 1,000 AZN loan to purchase more food products for her shop and increase the monthly turnover.
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.