Melikhanum T., 25, is married and has two sons. For the past nine years, she has been selling milk and yogurt to the local factory.
She has applied for a loan to purchase one additional dairy cow and fodder. This will increase her output and generate more sales to the factory.
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.