Zamina is 45 years old. She is married and has 2 sons. She is a pensioner on disability. 16 years ago her husband decided to raise livestock as this brings in at least a small income. This is their cooperative business.
When the children were small there was enough money, but when they grew up and got into higher education levels, spending increased, and now Zamina and her husband try to work as hard as they can.
Raising livestock is the main source of income for the family. Zamina sells milk, yogurt, cheese and butter. She wants to buy more livestock for this purpose. She hopes for a loan from VFAC to buy a cow.
About VisionFund AzerCredit:
Vision Fund AzerCredit was established in 1996 to provide credit to ensure people can take control over their own lives and livelihoods.
While VF AzerCredit works both in the urban and rural areas of Azerbaijan, the emphasis is placed on providing loans to micro and small rural entrepreneurs and self-employed poor, covering remote areas, which are not bankable.
AzerCredit provides group loans, agriculture loans and household and family loans for small and micro entrepreneurs.