Rovshan is a 46-year-old man who owns his own café. He is married and has two children. His son and wife help him run the business. He is a professional cook and makes delicious beef and lamb kababs. He also serves customers different national dishes like dolma, pilov, and dovga soup. His café is always full, especially during lunch and dinner time. Rovshan is proud that his café is so popular: this business brings him 200 AZN income per month. Now he would like to expand his business and improve the condition of his café. For this purpose he has applied for a loan of 1,500 AZN to buy new furniture and renovate. This will be his third loan, and Rovshan has a good client history.
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.