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Sharafniso
Sharafniso is 36 years old, married and has two children. She has been partnering with our organization since 2008. She has a secondary education. After graduating from school, Sharafniso started working with her mother and then got married several years later. She stayed home for a few years and took care of the children. Then, her relative offered her a salesperson job at a store eight years ago. After working for one year, she decided to start her own business. Her husband supported her decision, and now she has her own business. Sharafniso has been selling at her district market for over five years. She spends the profit from the business on family expenses and her children. Sharafniso is requesting this loan to refill her store inventory with candy and confectionery goods. She hopes to have high sales during the holidays. She is grateful to "Arvand" for the support.
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Шарафнисо 36 лет, замужем и имеет 2 детей. Сотрудничает с нашей организацией с 2008 года. Имеет среднее образование. После того как окончила школу и начала работу с матерью и через несколько лет вышла замуж. Несколько лет сидела дома по уходу за детьми. Восемь лет назад ее родственница предложила работу продавщицы в магазине. Проработав год , она решила сама начать свой бизнес, муж поддержал в этом предложении и теперь у нее свой бизнес. Более 5 лет она торгует на рынке своего района. Прибыль от бизнеса Шарафнисо тратит на семейные расходы и на своих детей. Настоящий кредит Шарафнисо получает на пополнения своего прилавка на новый год конфетами и кондитерскими изделиями. Надеется на высокую реализацию на праздничные дни. Благодарна "Арванд"-у за 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

  • $1,388
    Average annual income
  • 223
    View loans »
    Tajikistan Loans Fundraising
  • $27,725,000
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,750 helped Sharafniso to purchase candy and confectionery products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 13, 2011
Listed
Dec 23, 2011
Currency Exchange Loss:
Covered
Ended:
May 16, 2012