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Zulfiya came to MDO "Arvand" for financial support because she needs to make repairs at home. She wants to insulate rooms because the cold season is coming. Her husband is in the Russian Federation and sends money every time. Also, Zulfiya works as an instructor at a kindergarten, but her savings are not enough to make repairs and insulate the rooms. She is requesting this loan to make cosmetic repairs and build a heater from a convenient side. Zulfiya relies on the support from Arvand, and her family thinks that they will spend this winter in warmth and comfort.
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Зулфия обратилась в МДО "Арванд" за финансовой поддержкой, ей необходимо провести дома ремонт. Она хочет утеплить комнаты , потому что наступают холода. Ее муж находится в Российской Федерации и каждый раз присылает деньги. Также сама Зульфия работает воспитательницей в детском саду, но накопленные средства недостаточны для проведения ремонта и утепления комнат. Для этого она просит кредит чтобы провести косметический ремонт и построить печь с удобной стороны. Она надеется на поддержку Арванд, и ее семья думает что эту зиму они проживут в тепле и уюте.

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
  • 115
    View loans »
    Tajikistan Loans Fundraising
  • $29,875,725
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Zulfiya to make home repairs and insulate rooms for the winter.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 12, 2012
Oct 19, 2012
Currency Exchange Loss:
Oct 17, 2013