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A very capable young man named Ravshan is one of a small number of people that started a business in the field of baking at a young age. He is now 26 years old and when he was a child, he used to apprentice under the guidance of his uncle, who is a "nonvoy" (bread baker.) Every day, young Ravshan observed how his uncle mixed the dough, placed it into a circular baking pan and formed it in a tandoor oven. He watched with admiration how the dough deepened its colour in the tandoor as it baked into Tajikistani national flatbread. This is the reason for his interest in, and attachment to, the profession of baking.
Now Ravshan is a professional baker and has been working independently for 3 years. By making the most of his experience and acquired skills, he was able to open his own bakery. He can earn his living and feed his family in this way. He is married and has 3 children. At present, he rents his premises and employs one assistant. He wants to expand his business and buy more ingredients to bake flatbread. In the hopes of a bright future, he has decided to seek a loan so that his business does not plateau, and so he can ensure a stable income for his family. As Ravshan himself says, "I hope that the loan I obtain will justify my hope that I can expand, and that my business will not reach a plateau."
Ravshan plans to use this loan to purchase several bags of flour, yeast, and butter. He is really striving to make sure that his family does not want for anything, and he works day and night. He extends his gratitude to such organisations as Kiva for the financial support and understanding.

View original language description ↓
Умелый молодой человек Равшан один из немногих, которые начали свою деятельность в сфере пекарни с юношеского возраста. Сейчас ему 26лет и он с детства ходил на ученики к своему дяде «нонвой» (пекарь хлеба). Каждый день, юный Равшан наблюдал за тем, как его дядя замешивал тесто, складывал в кружки и лепил их на тандыр(национальная печь). Он любовался тем, как в тандыре пекутся и краснеют национально - таджикские лепёшки. Это и стала причиной его интереса и привязанности к мастерству пекаря.
Теперь Равшан профессиональный пекарь и занимается этим делом самостоятельно 3 года. Применив свой опыт и приобретённые навыки, он смог открыть свою пекарню. Также, он своим делом зарабатывает на жизнь и кормит свою семью. Он женат и у него трое детей. На сегодня Равшан арендует помещение и имеет одного помощника. Он хочет расширить свой бизнес и купить сырье для изготовления лепешек. В надежде на «светлое будущее» Равшан решил воспользоваться кредитом, чтобы бизнес не стоял на месте, и был стабильный доход в семье. И как говорит сам Равшан, « надеюсь,что приобретённый мной кредит оправдает мои ожидания, я смогу расшириться и мой бизнес не будет стоят на месте».
На полученный кредит Равшан хочет закупить несколько мешков муки, дрожжи, масло. Он очень старается чтобы его семья не в чем не нуждалась и трудиться день и ночь. Равшан выражает свою благодарность таки организациям как Кива за финансовую 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
  • 102
    View loans »
    Tajikistan Loans Fundraising
  • $29,901,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Ravshan to buy baking ingedients.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 25, 2013
Jan 31, 2013
Currency Exchange Loss:
Oct 17, 2013