Gulsuma is a kind, very polite 52-year-old woman who is married with three daughters. She is a market vendor and has been selling home products for the last 16 years. She is very experienced, and the products she sells are varied and can satisfy any taste. She sells kettles, cups, table sets, electric goods, and everything necessary for a good dowry. Her monthly income is 230 AZN.
Gulsuma's husband is taxi driver, and his income is very low and not permanent. Now her business is the only stable financial source in her family. Being a taxi driver, her husband helps by bringing her dishes from neighboring cities.
Gulsuma has applied for 1200 AZN to purchase and diversify merchandise to make her shop more attractive for young brides.
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.