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Zebi is an elderly woman of 60. She is a pensioner, but is constantly on the move and in search of a new occupation. She has a large family tries to involve all family members in some sort of work. Zebi works as a security guard at a train station, and in her free time raises cattle at home. She has many helpers - grandchildren and daughters-in-law. Zebi's daughters-in-law work at home and embroider fabrics for women's clothing with beads. They also sew women's clothing, which Zebi then sells in the countryside. Her sons are also employed.

Zebi is a regular client of MDO Arvand, LLC and has already taken several loans for various purposes. She wants to take a new loan to purchase a cow or bull, fatten it, and then resell it at a profit.
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Зеби пожилая женщина около 60 лет.Она пенсионерка, но она постоянно в движении и в поиске новой работы.У неё большая семья и она старается привлечь всех членов семьи к какой-нибудь работе.Сама Зеби работает охранником в железнодорожной станции, а дома в свободное время вырвщивает скот.У неё много помощников,внуки и невестки.Невестки дома занимаются вышивкой женских тканей, бисером.Также они шьют женские вещи на продажу и Зеби продает эти вещи в сельской местности.Сыновья тоже работают.Зеби постоянная клиентка Арванда и уже несколько раз брала кредит на разные цели.Очередной кредит она хочет использовать на покупку коровы или бычка,хочет откормив его продать по выгодной цене на рынке.

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
  • 256
    View loans »
    Tajikistan Loans Fundraising
  • $30,418,550
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
A loan of $1,050 helped Zebi to buy a bull or cow for fattening and resale.
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jun 20, 2012
Jun 24, 2012
Currency Exchange Loss:
Jul 24, 2012