Natiga H. is a 36-year-old woman who sells milk and yogurt to local people and neighbors. Mainly she keeps a cow for her family and sells the rest of the milk. No one in her family has a job so selling milk and poultry sometimes brings some money to their family. Their main source of income is an Internally Displaced People benefit, which is about $70 USD a month. This amount is not enough to cover their basic family needs. Natiga wants to focus more on selling dairy products, which is why she applied for the loan of $800 USD to purchase one milk cow.
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.