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Mohiniso is a 42 year-old woman, who is married and has three children. She came to Arvand for support and wants to prepare for the winter in advance by stocking up on coal because she has to use heating in the winter. Her business is sewing women's national dresses to-order. Everything that she earns goes toward the family needs, and nothing is left for major expenses. Mohiniso's husband has been working in the Russian Federation for the third year now. She has been obtaining financing since 2011. This is her second loan. Mohiniso wants to use this loan to purchase coal for the winter while the coal prices are reasonable. This is the only way to heat her house in the winter. She is grateful in advance for the financial support.
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Мохинисо женщина в возрасте 42 лет, замужем, имеет троих детей. Она обратилась в Арванд за поддержкой, хочет заранее подготовиться к зиме и запастись углем так как зимой она топит печь. Ее вид деятельности заключается в то, что она дома на заказ шьёт женские национальные платья. Все что она зарабатывает уходит на семейные нужды и на крупные расходы не хватает. Муж Мохинисо третий год находится на заработках в Российской Федерации. Она кредитуется с 2011 года. Кредит получает во второй раз. На полученный кредит хочет закупить уголь на зиму,так как пока цены на уголь приемлемые. Это единственный выход обогревать дом зимой. Она заранее благодарит за финансовую поддержку.

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
  • 104
    View loans »
    Tajikistan Loans Fundraising
  • $29,921,900
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Mohiniso to purchase coal for the winter while the coal prices are reasonable.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 21, 2012
Oct 4, 2012
Currency Exchange Loss:
Apr 17, 2013