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Bakhtiyor is a 33 year-old young man, who has a higher education degree in construction engineering and works in his field. He sells painting and decorating materials at the central market. He has a wide selection of merchandise that is in high demand. He sells at a leased store by himself and develops his business. Bakhtiyor started his business by putting together a team of workers, specializing in construction and decoration work, and worked on houses, apartments and offices repair orders. He earned a living through this work and provided for his family for several years. Because he had regular clients, who purchased paint and materials, he decided to open an additional business of selling construction materials. Bakhtiyor combined both businesses since he could sell his merchandise for his own orders to repair apartments and houses, making it more profitable for him. When he opened his construction materials store, he obtained a small loan from a bank and started his business. Business was going well, and Bakhtiyor increased his goods turnover. He worked a lot with lending organizations and never violated procedures. Prior to the inflation, he obtained financing in international currency, but got burned. So, since the inflation in December of 2009, he tried to obtain a loan in the national currency and came to us. According to the client's words, our loan was very timely for him and helped him a lot in improving his family affairs. Bakhtiyor plans to use this loan to purchase a wholesale inventory of sealants and paint at a low price.
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Бахтиёр-33летний молодой человек,с высшим образованием инженера-строителя,работает по специальности.Продаёт отделочные материалы на центральном рынке.Ассортимент его товаров очень большой и пользуется большим спросом, торгует на арендованном магазине сам и развивает свой бизнес.Свою деятельность он начал создавая бригаду рабочих по строительным и отделочным работам и ремонтировал дома,квартиры и офисы на заказ,этим зарабатывал и кормил свою семью несколько лет.Имел постоянных клиентов по покупке красок и материалов и решил открыть дополнительное дело-торговля строительными материалами.Он совместил два дела-он может реализовать свои материалы на свои заказы по ремонту квартир и домов и это обходится ему дешевле.Когда он открыл свой магазин по продаже стройматериалов,он получил кредит в маленькой сумме из банка и начал бизнес.Дела пошли хорошо и Бахтиёр расширял свой товарооборот.Много работал с кредитными организациями и не нарушал процедуры.До инфляции он кредитовался в иностранной валюте и прогорел и после инфляции с декабря 2009г.он попробовал получить кредит в национальной валюте и обратился к нам.Со слов клиента наш кредит очень своевремен для него и очень помог ему в улучшении его семейных обстоятельств.На очередной кредит он намерен закупить оптовую партию герметики и красок по низкой цене.

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
  • 101
    View loans »
    Tajikistan Loans Fundraising
  • $29,901,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Bakhtiyor to purchase sealants and paint wholesale.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Dec 15, 2011
Jan 11, 2012
Currency Exchange Loss:
Sep 15, 2012