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Tuhfa
Tuhfa has been working with our organization for over seven years. She received her first loan for a retail stand near her house. Now, she has two retail outlets, where she sells women's fabrics and clothing. She lives alone because her husband left for work 15 years ago and never returned. Her granddaughter helps her with the business. Besides this, Tuhfa works as a history teacher at the University. During the days, when she works at the university, her granddaughter helps her grandmother. Tuhfa cannot travel for merchandise herself due to her health and age, and her friends or relatives deliver merchandise to her. They bring merchandise from Kyrgyzstan in 4-5 days. Tuhfa plans to bring in warm clothing, such as sweaters and robes, and fabrics, such as velour, velvet and other stylish national fabrics. Currently, this is a prime season for her business because sales will be good before the New Year's, since women will be sewing nice dresses for the holidays.
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Тухфа сотрудничает с нашей организацией более 7 лет. Первый кредит получала на ларек возле своего дома. Сейчас она имеет 2 точки продажи женского материала и одежды. Живет одна, муж уехал на заработки 15 лет назад и не вернулся. В бизнесе помогает внучка. Кроме это, того она работает в Университете преподавателем истории. В дни, когда она на работе в университете, внучка сидит и приглядывает за товаром, так она помогает своей бабушке. Тухфа сама за товаром ездить не может из-за здоровья и возраста, ей привозят товар знакомые или родственники. Товар привозят с Киргизии в течении 4-5 дней. На полученный кредит она собирается привезти теплую одежду - джемпера, халаты, а из тканей велюр, бархат и другие модные национальные ткани. Сейчас у нее сезон, так как перед новым годом будет хорошая реализация, женщины буду шить на праздники красивые платья.

Additional Information

About MDO Arvand

MDO Arvand is one of the leading microfinance institutions in Tajikistan, offering small loans to entrepreneurs to start and grow their businesses. This makes an enormous difference in a country, which is not only the poorest in Central Asia, but also home to a population where two-thirds live below the poverty line. Today, Tajikistan's economy literally depends on remittances being sent from family members working abroad in Russia because there are so few local job opportunities.

But Arvand loans have been able to make a difference and change lives. Read about some of the incredible success stories they have seen here in this Kiva blog post: Bringing hope to Tajikistan with Arvand -- one success story at a time.

About Tajikistan

  • $1,388
    Average annual income
  • 200
    View loans »
    Tajikistan Loans Fundraising
  • $27,720,100
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Tuhfa to purchase warm clothing and fabrics.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 17, 2011
Listed
Dec 4, 2011
Currency Exchange Loss:
Covered
Ended:
Sep 15, 2012