Mukafat is 52 years old, married and the mother of two children. For the last 14 years, she has earned a living by raising fruits and vegetables in her garden. She chose this business because fruits and vegetables are very popular in Azerbaijan, where people like to eat them and make juices out of them while they are still fresh, which is very healthy. Her husband lives on a pension and helps Mukafat sell crops in the central bazaar. Her monthly income is 150 AZN, but raising crops in the open air takes a lot of strength, which is hard for a woman and the reason why her husband helps her. Mukafat is requesting a loan for 1,000 AZN to buy seeds and fertilizer. This will allow her to improve the quality of the products she raises and increase her monthly sales.
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.