Zulfiyya is a 38-year-old woman. She is married and has three daughters.
She is a market vendor and has been selling wheat and flour in her wholesale shop for the last fifteen years. During these years she gained enough skills and experience as well as a wide range of permanent customers in her business. She sells items with attractive prices and high quality.
Her monthly income is 130 AZN. Zulfiyya says the location of her shop brought her success and made her business profitable.
Now Zulfiyya applied for 1,200 AZN in order to expand her business and purchase more merchandise. The reason is that demand for wholesale products is high and sometimes Zulfiyya can’t afford all her customers’ orders.
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.