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Aziz is a man of 46 years of age, married, and has three children, out of which two are students. Aziz works as an engineer at a factory, and his monthly income barely is enough for daily life. His wife works as a teacher, and a teacher's salary is also small. Therefore they can never save up money for repair of their apartment.

In order to do repairs they need a large sum of money, and they don't have this amount. After having learned about the loans from a friend, Aziz decided to turn to us for a loan. He is happy that he can restore his apartment and stepwise repay the loan received with the family's incomes.
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Азиз мужчина в возрасте 46 молодой человек, женат имеет троих детей , двое из которых студенты. Сам Азиз работает инженером на фабрике, его ежемесячный доход еле хватает на жизнь. Его жена работает учительницей, а у преподавателей тоже оплата маленькая, поэтому они никак не могут накопить денег на ремонт квартиры.Чтобы сделать ремонт нужна большая сумма а у них такой суммы нет. Узнав от друга о кредитах, Азиз решил обратится к нам за кредитом. Он рад , что сможет отремонтировать свою квартиру и постепенно погашать полученный кредит с доходов семьи.

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
  • $30,393,475
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
A loan of $1,475 helped Aziz to repair his home.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 23, 2012
Jul 8, 2012
Currency Exchange Loss:
Aug 7, 2012