Javid R. is a 33-year-old farmer who has sold milk and yoghurt to the local people since 2006. He lives with his family in the small village of Imishli. He would like to develop his business and to purchase two additional cows for $600 USD each.
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.