Rafaq is 29 years old. He lives in the city of Agsu, Azerbaijan, with his wife and two little children.
Rafaq owns a shop for repairing cars. He specializes in changing oil. He established his business six years ago, when he got married.
Rafaq decided to request a new loan so that he can invest in his vehicle repair business. He plans to buy more tires and oil and in this way meet his customers' needs.
This is his first loan from AqroInvest and Kiva. He hopes it will give him what he needs to continue working, so that he can generate income for his family.
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.