Zaur is a 36-year-old man, married and has three sons. He is a farmer and has been raising seasonal fruit and vegetables for the last seven years. He chose this business because it is profitable and his fresh crop is in high demand. His primary crop is pomegranates, which are considered by Azerbaijani people as very healthy, especially fresh pomegranate juice. People use fresh vegetables every day and consider them healthy; many national dishes are made of vegetable, like 'pilau' and 'dolma'. Fresh fruit is served on every table in the Azerbaijan family and also made into fresh punch.
Zaur sells his crops in the bazaar. His monthly income is 90 AZN. His wife actively helps him to raise their crops. As thes products are in high demand, Zaur wants to expand his business and produce more fruits and vegetables to cover market demand. For this purpose he applied for 1000 AZN. He will buy 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.