Sahib is a 48-year-old man and married; he has two daughters. He is a farmer and has been raising seasonal fruit and vegetables for the last 10 years. His primary crop is pomegranates, which are very popular fresh and in juice. He chose this business because it is profitable and the fresh crop is in high demand. People use fresh vegetables every day and consider them healthy; many national dishes are made of vegetables, like 'pilau' and 'dolma'. Fresh fruit is served on every table in an Azerbaijan family and also used to make fresh punch.
Sahib sells his crops in the bazaar. His monthly income is 160 AZN. His wife actively helps him to raise their crops. As these products are in high demand, Sahib wants to expand his business and produce more fruit and vegetables to cover market demand. For this purpose he applied for 1000 AZN. He will buy new garden tools, seeds and fertilizers.
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.