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Shahnoza is a 35 year-old woman. She is involved in sewing window curtains at home. She has four children. Unfortunately, she divorced her husband and has to raise the children by herself. They live in a village and have a small house. Although the house is mall, it needs repairs. They have very bad living conditions. This is why Shahnoza came to Arvand for the financial help. She wants to make cosmetic repairs in her house and needs to purchase construction materials for this purpose. Shahnoza plans to use this loan to buy paint, chalk, glue and wallpaper. She thanks Arvand in advance for the financial support and help.
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Шахноза женщина в возрасте 35 лет. Она занимается шитьем занавесок у себя дома. У нее четверо детей. К большому сожалению она развелась со своим мужем и ей приходиться воспитывать детей самой. Они живут в селе и у них не большой дом. Хотя дом не большой но нуждается в ремонте. У них очень плохие условия проживания. Поэтому Шахноза обратилась в Арванд за финансовой помощью. Она хочет сделать косметический ремонт в своем доме. Для этого ей надо приобрести строительные материалы. На полученный кредит Шахноза планирует купить краски, известь, клей и обои. Она заранее благодарит Арванд за финансовую поддержку и помощь.

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
  • 213
    View loans »
    Tajikistan Loans Fundraising
  • $29,711,000
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Shahnoza to buy paint, chalk, glue and wallpaper in order to repair her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 25, 2012
Oct 18, 2012
Currency Exchange Loss:
Oct 17, 2013