Bashira is 50 years old, married and has three sons. Her husband is a farmer. She works in a small shop as a seller and has 20 years of experience. She sells such daily products as bread, butter, sugar, salt, rice, pasta and etc. Beside that the assortment of her shop includes washing powder, tooth paste, soap and other household goods. Bashira's monthly income is 180 AZN.
People in Azerbaijan are used to buy all the things they need in small shops. Such shops are situated almost in every yard and prices there are cheaper. Local people visit Bashira's shop very often because of their high demand for daily products and household goods.
Bashira wants to expand her small business and to improve her family's life. She applied for 2,000 AZN loan in order to purchase more goods from suppliers. This is her fourth loan and she has a good client history.
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.