Bakir A. is 42 years old and married with two sons. His family consists of five people, including his parents, two sons and wife. To earn a living, Bakir sells food products and has been in this business for eight years. In addition, he raises cattle; currently, he owns a cow to provide milk for his family. These two businesses generate most of the income for Bakir 's family. Already popular in the neighborhood for selling fresh eggs, Bakir, nevertheless, would like to increase the range goods he can offer. Therefore, Bakir is asking for a loan of $1,200 USD for a term of 15 months in order to be able to purchase more food products for sale, as well as improve the life conditions of his family.
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.