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Ayub has been a client in the organization for nine years. He has three sons, one of whom is currently working in Russia. Ayub managed to expand the family business over the years. Despite his age Ayub still buys the livestock, but it is his son who raises the animals. Every morning Ayub's son takes the cows out to pasture, and in the evening he brings the animals back to the pen and gives them hay and feed. Ayub was interested in livestock fattening from an early age, and that's what he taught his sons.
Ayub has nine grandchildren, and he is a lively grandfather. His wife is a homemaker. Together with her daughters-in-law, she produces goat yarn and sends it over to Russia for her son to sell since it is in high demand there. Ayub would like to take another loan to buy a couple of dairy cows while the market prices for the animals are low.
View original language description ↓
Аюв девяти летний клиент в организации.У него трое сыновей, из которых один на заработках в Российской Федерации. За годы кредитования он смог расширить семейный бизнес. Скотоводством занимается его сын, из-за возроста отца, а закупом скота занимается сам Аюб. Его сын каждое утро выводит коров на пастбище ,а вечером загоняет и кормит их сеном и кормом. Аюб с молодости увлекается откормом скота, чему и научил своих сыновей. У Аюба девять внуков, он жизнерадостный дедушка.Его жена домохозяйка, она занимается с невестками производством козьей пряжи и отсылают сыну в Российскую Федерацию, для продажи, т.к там пользуется большим спросом. В сезон пока скот дешёвый на рынке Аюб хочет на очередной займ купить пару дойных коров.

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
  • 189
    View loans »
    Tajikistan Loans Fundraising
  • $30,367,950
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Ayub to purchase two cows.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 1, 2012
Feb 17, 2012
Currency Exchange Loss:
Jan 15, 2013