Rahman is 44 years old and married with a daughter and two sons. His wife is a housekeeper. They are refugees and live in a settlement for IDP (internally displaced peoples). Rahman has been raising husbandries for 12 years such as sheep and cows. He sells milk, meat and sheep's wool at the local bazaar and earns 130 AZN monthly.
The region where he lives is very cold. That’s why people's demand for wool is very high. They make coats, jackets, gloves and socks to keep themselves warm. People use meat to prepare dishes every day and drink milk because it is very useful for health.
Rahman wants to increase his income because his current earnings are not enough to cover life's demands. He applied for a 2,000 AZN loan in order to buy more animals.
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.