Zaur is 22 years old, an entrepreneur and a single man. He has three years of experience in selling women's clothes, thanks to his father who taught him a lot about managing the business. He started his business after several failures to enter university after school. He decided that establishing his own business is more profitable than getting information over the next four years. He has his own shop in the bazaar and he renews his stock every month. His monthly income is 130 AZN. He says that the stock he renews every month is not enough, and he needs more investments to cover his customers' demand.
To satisfy the needs of his customers, he applied for 1000 AZN. He will use this loan to purchase a new seasonal collection of women's clothes and increase his sales.
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.