Aytekin is a 44-year-old woman; she is married with three children. She is a nurse and works in the local hospital. However, her primary business is perfumery and jewellery. She decided to start this business 10 years ago when she understood that her salary as a nurse is not enough to cover the family's needs. Aytekin`s business brings her stable income of 120 AZN.
She sells her goods from her house. It is safe and popular among the neighboring women, who often come to her place to choose something from her products. Now she would like to increase her income and purchase more perfumery and jewellery as they are very popular. She applied for 1,500 AZN to purchase more merchandise and increase her sales. This will be her second loan; she has a good client history.
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.