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Dilafruz is a 31 year-old woman, who is married and has three children. Her husband works as an electrician as a private contractor. Dilafruz has been obtaining financing for the second year now and takes out loans for business expansion. She sells women's undergarments. She brings her merchandise from Istaravshan and buys it from local wholesalers. Dilafruz has a wide selection of merchandise and, thus, has regular customers. She wants to use this loan to bring in winter tights and other women's goods. She is grateful to the organization for the understanding and support.
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Дилафруз женщина 31 года, замужем имеет троих детей, муж работает мастером электриком на частные заказы. Дилафруз кредитуется уже второй год и она берёт кредиты на увеличение бизнеса. Она продаёт нижнее женское бельё. Товар привозит из Истаравшана и закупает у местных оптовиков. У неё очень большой разнообразный ассортимент, и поэтому имеет своих постоянных клиентов. Следующий займ, она хочет использовать на завоз зимних колгот и других женских товаров. Она благодарна организации за понимание и поддержку.

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

  • $2,700
    Average annual income
  • 153
    View loans »
    Tajikistan Loans Fundraising
  • $29,656,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Dilafruz to purchase women's winter tights.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 8, 2011
Dec 16, 2011
Currency Exchange Loss:
Jul 15, 2012