Xayal is 29 years old and single; he lives with his parents.
Xayal is a hardworking man who loves his work. He is a merchant. For the past four years, Xayal has had a grocery store selling different types of groceries. Xayal needs a loan of 1,000 AZN to buy goods to expand his stock.
In this way he will attract more customers, and from his profit, he will improve his living conditions.
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.