Yashar S. is a 41-year-old man who runs a barber shop in the southern part of Azerbaijan. He is a very polite and respectful hairdresser and he has many permanent clients. His training allows him to serve only male clients.
Yashar starts his work at 8:00 in the morning and finishes between 9:00 and 10:00 at night. His busiest time is from 7:00 p.m. to 10:00 p.m., because many of his clients come after work.
Yashar is married and has three children. All of his efforts are designed to improve their lives and provide them with an excellent education. He would also like to teach one of his two sons his profession, so that his business can grow some day.
Yashar has applied for a loan of $1200 to purchase modern tools for haircutting and, most importantly, to supply water to his barber shop.
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.