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Munira is a 39-year-old woman who lives in a rural area in the J. Rasulov region of Tajikistan. She is married and has three children: two sons and a daughter. Munira sells children's clothing at the J. Rasulov's central market. She started her business in 2000 with a very small sales volume. In 2004, Munira's business experienced financial difficulties, and she turned to MDO Arvand, LLC for monetary support. She has been a client of Arvand since that time.

Munira's business is her family's sole source of income. During the time she has been taking loans from Arvand, Munira has significantly improved her living conditions. With this new loan, she plans to purchase a new range of children's clothing and expand her business.
View original language description ↓
Мунира женщина в возрасте 39 лет живет в сельской местности Дж. Расуловского района. Она замужем имеет троих детей, двоих сыновей и одну дочку. Мунира занимается торговлей детской одежды на центральном рынке Дж. Расуловского района. Она начала заниматься этим бизнесом в 2000 года с очень маленьким товарооборотом. В 2004 году у нее начались финансовые затруднения в своем бизнесе и она обратилось в ООО МДО Арванд за финансовой поддержкой. С того времени Мунира кредитуется в Арванде. Этот бизнес единственный доход в семье.
За то время,что Мунира кредитуется в Арванде она намного улучшила свои условия проживания. На полученный кредит Мунира планирует закупить новый ассортимент детской одежды и расширить свой бизнес.

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
  • 209
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Munira to purchase a new range of children's clothing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 10, 2013
Jan 23, 2013
Currency Exchange Loss:
Dec 17, 2013