Zamiq G. is a 27-year-old farmer who breeds sheep in the Bilasuvar region. He has nine years of experience in this field. He lives with his family in the Internally Displaced People Settlement and his life conditions are below the poverty line. Zamiq has borrowed funds previously and has successfully repaid the loan. With his first loan, he purchased five sheep to breed and sell in the local bazaar. He spent the money he earned from the first loan improving quality of life conditions for his family. He plans to use this second loan of $800 USD to purchase 10 sheep ($60 USD each) and fodder.
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.