Zulfiyya is a very enthusiastic and hardworking 38 year-old single woman. She is a market vendor and sells goods such as gifts and office supplies. She has 3 years of experience in this field. After graduating from university, Zulfiyya couldn`t find a job. With the help of AqroInvest loans she was able to start her own business. Now it brings her a stable income of 110 AZN, and her mother helps her.
She is very polite and friendly with customers which makes her business successful. However, her profit is not enough for her well being and she would like to increase the range of goods in her shop. For this purpose, she applied for 1500 AZN. She has a good client history and this will be her second loan.
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.