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Feruza is an 29-year-old woman with two children. Her husband is in Russia for work because he could not find work with a good salary in his homeland.

The family has a new home and the couple wants to build new rooms, renovate and furnish them. Therefore, she turned to the Arvand organization for financial support. Though her husband sends her money for accommodation, Feruza has many expenses in the plan for the new home. She herself earns money from sewing women's dresses from her home and she has many customers because the large demand for traditional dresses for Tajik women and girls.

With the loan received, Feruza wants to buy home appliances, more specifically a refrigerator.
View original language description ↓
Феруза женщина в возрасте 29 лет. У нее двое детей. Муж находится в России на заработках,так как на Родине он не мог найти работу с хорошей заработной платой. У этой семьи новый дом и супруги хотят построить новые комнаты, отремонтировать и обставить их. Поэтому она обратилась в нашу организацию за финансовой поддержкой. Хотя муж присылает ей денег на проживание, у Ферузы много расходов в плане нового дома. Сама она подрабатывает пошивом женских платьев на дому и у неё много клиентов. Потому что спрос на национальные платья большой у таджикских женщин и девушек. На полученный кредит Феруза хочет приобрести бытовую технику точнее холодильник.

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
  • 103
    View loans »
    Tajikistan Loans Fundraising
  • $29,913,125
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Feruza to buy a refrigerator.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 5, 2012
Oct 4, 2012
Currency Exchange Loss:
Sep 17, 2013