Yegana is a 45-year-old woman who is married with two sons. She is an Internally Displaced Person (IDP) and lives with her family in an IDP Settlement. She is a farmer, raising seasonal fruits and vegetables. Her 20 years of experience in this field make her a very skilled farmer. Raising crops takes a lot of strength and working in the open air, for which Yegana requires a lot of help from her son.
Yegana usually sells her crop in the central bazaar. Locally, people eat fresh vegetables every day and consider them healthy. In fact, many national dishes are made of vegetables, like pilau and dolma. Azerbaijani families serve fresh fruits at every meal, and fruits are also often used to make fresh punch.
Yegana's monthly income is 200 AZN, and she needs additional capital to invest in seed and fertilizer. This will allow her to improve the quality of her produce and increase her monthly turnover. For this purpose she applied for 1000 AZN.
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.