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Shahlo is a young mother with one child. Due to unfortunate circumstances, she divorced her husband. Currently, Shahlo lives with her mother and works as a waitress at a resort.

Shahlo first turned to MDO Arvand, LLC for a loan when she operated a small retail stall near a regional hospital, selling food to the hospital's visitors and patients. Since then, Shahlo has found another job, also related to retail, and now earns a very good income. She is requesting this loan to repair her apartment, which is in need of a renovation. Shahlo plans to use the loan to purchase building materials.

Previous loans from MDO Arvand have been very helpful to Shahlo and she expresses her gratitude for their financial support.
View original language description ↓
Шахло молодая девушка, мать одного ребенка. К сожалению по стечению обстоятельств она развелась с мужем. Она живет с матерью и работает официанткой в доме отдыха. В нашу организацию обратилась за кредитом, когда имела небольшую торговую точку около районной больницы, она продавала продукты посетителям и больным. Шахло сейчас перешла на новую работу тоже связанное с торговлей и доход очень хороший. Сейчас она запрашивает кредит на ремонт своей квартиры так как квартира нуждается в ремонте. Шахло планирует купить строительные материалы. Кредиты Арванд ей очень помогли и она очень благодарит 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 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
  • 148
    View loans »
    Tajikistan Loans Fundraising
  • $29,656,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Shahlo to buy building materials.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Nov 8, 2012
Nov 17, 2012
Currency Exchange Loss:
Jul 17, 2013