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Gulchehra is a 43 year-old married woman with three children. She sells men's clothing at a clothing market. Her husband works as plasterer and decorator of homes. Gulchehra brings in merchandise from Bishkek by herself once per month, depending on merchandise sales volumes. She wants to use this loan to bring in a spring selection of men's shirts. Gulchehra was able to vary her winter merchandise selection with her first loan and made a good profit prior to the New Year's holiday, which she spent on holiday expenses.
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Гульчехра – женщина 43 лет, замужем, имеет троих детей. Она торгует на вещевом рынке мужской одеждой. Муж работает штукатуром отдельщиком домов. Товар привозит из Бишкека сама, раз в месяц, смотря на продвижение товара. На очередной кредит она хочет привезти весенний ассортимент мужских рубашек. Она при первом получении кредита смогла разнообразить зимний ассортимент товаров, и под Новый год смогла получить хорошую прибыль, которую потратила на праздничные расходы.

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
  • 117
    View loans »
    Tajikistan Loans Fundraising
  • $29,882,225
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Gulchehra to purchase a spring selection of men's shirts.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Feb 17, 2012
Feb 22, 2012
Currency Exchange Loss:
Aug 15, 2012