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Inoyat, a 55 year-old woman, is married and has three children. In 1995 she started her business with a small sales turnover, and developed it gradually. Since 2003 she began to work with Arvand and is still receiving loans from this organization. Inoyat sells women's and children's clothing at her village's central market. Twice a week she travels to the city to buy products. Her husband is a school teacher. Their family is very friendly. Inoyat plans on expanding her business to improve her family's standard of living. Clothing sales are their main source of income, so Inoyat wants to expand her business and plans on using the loan to buy a new assortment of women's and children's clothing. Inoyat is very grateful to Arvand for their support and understanding.

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Иноят, женщина в возрасте 51 года, замужем, имеет троих детей. В 1995 года она начинала свой бизнес с мелкого оборота и развивала постепенно. С 2003 года она начала сотрудничать с Арванд и до сих пор кредитуется в этой организации. Иноят занимается торговлей женской и детской одежды. Торгует она на центральном рынке своего села. Иноят два раза в неделю ездит за товаром в город . Ее муж преподаватель и преподает в школе. Их семья очень дружелюбная. Она планирует расширить свой бизнес для того чтобы улучшить свои условия проживания. Их основной доход от продажи одежды, поэтому Иноят хочет расширить свой бизнес и на полученный кредит планирует закупить новый ассортимент женской и детской одежды. Иноят очень признательна Арванд за поддержку и понимание.


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
  • 187
    View loans »
    Tajikistan Loans Fundraising
  • $30,409,250
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Inoyat to buy women's and children's clothing.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Oct 21, 2012
Nov 6, 2012
Currency Exchange Loss:
Apr 17, 2013