Javid is a 21-year-old man who studies at Azerbaijan Technology University. He is on the third year of education studying Technology of Manufacturing Products and Expertise. He will complete his education in 2013. His father and mother are working and paying for his education. However, Javid applied for a job and plans to pay his last year himself. But now he needs 2000 AZN to pay his last bit of tuition.
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.