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Sharofat is 44 years old, divorced, and has no children. She does not receive any support from family, which is why she started a small business. Sharofat began selling seeds and, with each year, she has increased the range of goods she sells. Now she has begun to sell chewing gum, small children's toys, and so on. Sharofat is seeking a loan to expand her business and improve her sales outlet. She is grateful to MDO Arvand for their financial support.
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Шарофат женщина в возрасте 44 лет. Она разведена и не имеет детей. У нее нет никакой поддержки от родных, поэтому она начала заниматься мелким бизнесом. Свой бизнес Шарофат начинала с семечек и с каждым годом увеличивала ассортимент товара. Сейчас она уже начала продавать жвачки, мелкие детские игрушки и т.д. Шарофат на полученный кредит хочет расширить свой бизнес и улучшить место продажи. Она благодарна МДО "Арванд" 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
  • 188
    View loans »
    Tajikistan Loans Fundraising
  • $30,410,000
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Sharofat to buy seeds and toys.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 2, 2012
Oct 19, 2012
Currency Exchange Loss:
Dec 15, 2012