Kamila is 32 years old and a married woman, very hard-working and experienced. She breeds cows and cattle, sells dairy products, and sells cattle for beef to local butchers. Kamila has eight years of experience in this field, thanks to her father, who taught her the best ways to look after cattle.
Kamila usually buys small cattle, raises and fattens them for five to six months, and then resells them for a profitable price in the local livestock bazaar. Milk and yoghurt she sells to the neighbors. Dairy and meat-selling brings 300 AZN per month in income.
Milk and yoghurt, as well as beef, are very popular products in Azerbaijan. People use meat in everyday national dishes, such as pilau and dolma, and they always use yoghurt sauce. Milk products are considered to be very healthy, and are also consumed in everyday life.
Kamila applied for a 2,000 AZN loan to purchase three cattle, two milking cows, and fodder. This will be her second loan, and she has a very positive loan 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.