Zahide is a 30-year-old woman and married with three children. She is an IDP (internally displaced person) and lives with her family in the Bilasuvar IDP Settlement. She breeds cows and cattle and sells milk, milk products as well as cattle for meat purposes to local butchers. He also raises sheep for meat purposes. Zahide has more than eight years of experience in this field, thanks to her father who taught her how to best look after cattle. Her husband works as a builder and receives a 80 AZN salary, which is too low to support her family.
Zahide usually buys small cattle and then raises and fattens them in 5-6 months and resells them at profit in the local livestock bazaar. She sells milk and yoghurt to the neighbors. Milk and meat sales bring 140 AZN per month. Milk and yoghurt, as well as beef and mutton, are very popular products in Azerbaijan. People use meat in everyday national dishes as pilau and dolma and they always use yoghurt sauce. Milk products are considered as very healthy and are also present in everyday life.
This is the only financial income in her family and not enough to cover the basic needs of her beloved children. Zahide has applied for a 1,000 AZN loan to purchase one head of cattle and one milk cow.
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.