Vasif is 29 years old, married and has one daughter. His family is an IDP (internally displaced person) and they live in an IDP settlement. His wife is a housekeeper. Vasif raises vegetables (greens, potatoes, onions, tomatoes and so on) and fruit trees (apples, pears and etc.). His monthly income is 150 AZN and he has nine years of experience in this field . He gets an additional small income working as a driver.
People living in DIP settlements have a higher demand for products such as fresh fruits and vegetables. They prepare juice, fruit pies, etc. and make different kinds of salads.
Vasif needs to improve the condition of his garden. He applied for a 2,000 AZN loan to buy garden tools and repair the garden. He wants to get more money in order to improve his family's hard life.
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.