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Gavhar is a woman with a higher education. She has a family, children and a loving husband. Gavhar works as an elementary school teacher at a private school. She has plenty of work experience and tenure, loves and knows her trade very well. Her husband has been working at a mill for several years and has a permanent job. Despite the fact that they both work and have a stable income, the family has not been able to save money to build their home. They need to build additional rooms for their sons because they have grown up and will soon be married. Gavhar and her husband decided to request a loan from us for these expenses. This is not her first loan, and she already knows all of the financing conditions and never violated them. Gavhar tries to use the loans as intended and to repay them in a timely manner.
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Гавхар- женщина с высшим образованием.У неё семья, дети и любящий муж.Гавхар работает в частной школе преподавателем начальных классов.У неё достаточно опыта работы и стаж, любит и знает свою профессию очень хорошо.Её муж работает на мельнице несколько лет и имеет постоянную работу.Хотя они работают непрерывно и имеют стабильный доход,семья не может накопить деньги на стройку своего дома. Им нужно построить дополнительные комнаты для сыновей, они уже стали взрослые и скоро родители поженят их.Для таких расходов Гавхар с мужем решили обратится к нам за кредитом.Это её не первый кредит и она уже знает все условия кредитования и не подводила нас.Старается целенаправленно использовать кредит и вовремя погашать.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Tajikistan

  • $2,700
    Average annual income
  • 188
    View loans »
    Tajikistan Loans Fundraising
  • $30,381,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Gavhar to make housing repairs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 20, 2012
Jul 20, 2012
Currency Exchange Loss:
Jul 17, 2013