Nijat is 22 years old, married, and has two children. He is a very kind, hardworking, and passionate man. He raises and sells crops, such as tomatoes, cucumbers, cabbage, carrots, and potatoes. Nijat also raises fruits such as apples, pears, and pomegranates. After he finished school he chose not to follow his education and learned how to raise crops. He has three years of experience in this field.
Nijat usually sells his fruits and vegetables in the central bazaar. His monthly income is 250 AZN, which is not enough to cover the needs of his family.
To improve his business Nijat is requesting a loan for 1,000 AZN, which he will use to buy garden tools, fertilizers, and seeds. Fresh fruits and vegetables are very popular and in high demand because people prefer to eat them every day and consider them very healthy. Also one of the favorite national dishes, Dolma, is made of fresh eggplants, peppers, and tomatoes.
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.