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Chumagul originally comes from the countryside. She raises the livestock. Her husband works in Russia; therefore, Chumagul and her son take care of the business. Besides raising the livestock, Chumagul sews mattresses. However, she did not have much work because of the cold winter. It is important that the sheep eat the combined feed in winter, but now only hay. However, Chumagul does not have enough money to buy the feed for her sheep. She therefore decided to get a loan to buy several sacks of feed and five sheep.
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Чумагуль женщина из сельской местности, которая занимается уходом за скотом. Её муж на заработках в России, поэтому она вместе с сыном справляется с бизнесом. Чумагуль кроме этого занимается шитьём матрасов, но из-за холодной зимы у неё мало заказов на их пошив. Для покупки корма ей не хватает денег, а баранов необходимо зимой кормить камбикормом, а не только сеном. Поэтому для покупки несколько мешков корма и пяти баранов она решила получить кредит.

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
  • 188
    View loans »
    Tajikistan Loans Fundraising
  • $30,381,275
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Chumagul to purchase 5 sheep and feed.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 14, 2012
Feb 17, 2012
Currency Exchange Loss:
Jan 15, 2013