Ramiz is a 53-years-old man who is married with three daughters. He is a dentist and rents a place where he provides his service. He is an IDP (Internally Displayed Person) and lives in an IDP settlement. People around come to his place and bring their children because he is the only dentist in his settlement.
Ramiz has 15 years of experience. His monthly income is 100 AZN. He applied for 1800 AZN to buy a new dentist chair and working tools. This will be his second loan and he 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.