Tapdiq is a 55-year-old man, who is married and has two children. He is a market trader and sells jewelry. The products he sells are very popular, especially among women, who usually come to buy new jewelry of gold. Tapdiq`s products are all made of gold, because this is a very popular metal and Azerbaijani people value gold very much. His monthly income is 300 AZN. He rents a small shop in the local mall, and he has about 15 years of experience in this field.
Tapdiq would like to diversify the products he has available for sale and purchase Turkish gold jewelry items, which are in high demand. He applied for 1500 AZN to reach this goal.
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.