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Gavhar is a woman who has worked as a janitor at the public services plant for more than three years. Her husband is a truck driver; he transports building materials. Gavhar has two grown sons who have their own families, though they still live at home. Her sons also work, but because their families are large they spent nearly all their income on their living expenses. Gavhar has many expenses ahead of her for her various activities and she is asking for a loan which she will pay back in installments, which is very convenient for her. This would be Gavhar's third loan, and she has used all her loans to fulfill her family's needs. With this loan, she would like to purchase a plane ticket for her son who is going out of town for work.
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Гавхар женщина-труженица, работает дворником на комбинате благоустройства более 3 года. Муж водитель грузового такси и перевозит строительные материалы. У Гавхар два взрослых сына, которые имеют свои семьи, но живут вместе с родителями. Сыновья тоже работают, но так как семья очень большая, все доходы почти тратятся на проживание. У Гавхар впереди много расходов по различным мероприятиям и она хочет получить кредит и с заработной платы погашать его частично, что очень выгодно ей. Гавхар получает третий кредит и все эти кредиты использовала на семейные нужды. Очередной кредит запрашивает на покупку авиабилета для сына,который едет за пределы города на заработки.

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
  • 213
    View loans »
    Tajikistan Loans Fundraising
  • $29,712,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Gavhar to buy a plane ticket for her son.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 24, 2012
Oct 11, 2012
Currency Exchange Loss:
Jul 17, 2013