Ismayil M., 35, is married and has two children. He is a policeman in the Bilasuvar region where is living now. His main financial income comes from selling dairy products as milk and yoghurt to the local people and factories. He started his business in 1999 when his family conditions were very bad and his salary wasn't enough to purchase the necessary food products. With the help of his relatives, he built a good business. But time passed, prices for everything increased, and his business needs to expand. For this purpose Ismayil applied for a loan of $1200 USD.
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.