Aynura is 28 years old and is married with two children. She is an internally displaced person (IDP) and lives with her family in an IDP Settlement. For the past five years, Aynura has been farmer and she raises seasonal fruits and vegetables. Her experience makes her a skilled person in her field. Aynura usually sells her crop in the central bazaar. People use fresh vegetables everyday and consider them healthy. Many national dishes are made of vegetables, such as pilau and dolma. Fresh fruits are served on many tables in Azerbaijan and families also make fresh punch. Aynura's monthly income is 300 AZN. Raising crops is taking a lot of strength and working in the open air which is very hard for woman. Aynura's son helps her.
Aynura is requesting a 600 AZN loan to invest in seeds and fertilizer. Her loan will allow her to improve the quality of her products and increase her income.
Aqroinvest Credit Union was founded in 2001 by a group of 32 farmers from Imishli. It has since grown to become the largest credit union in Azerbaijan, owned by its more than 5,400 borrowers and boasting a portfolio of nearly US$12 million.
AqroInvest is focused on providing loans to the following groups of people: rural farmers, people living in distant southern villages with little or no access to finance and internally displaced people and refugees, many of whom lost their homes and livelihoods during the violent conflicts in the 1990s.
In May 2011, Aqroinvest started a new project with Kiva proving higher education loans to students. The project gives students the support and financing they need to continue their education and helps pay for tuition fees at various universities in Azerbaijan. Aqroinvest is the first credit union in the country to offer students loans.