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Sayora is 35 years old, married, and has 3 children. She and her husband have been raising livestock for over 12 years. They now have 18 head of livestock which Sayora raises at home. She has a very good understanding of the nature of this business, and she knows when to buy and sell animals. She also has a dairy cow. Every day, she milks up to 10 litres of milk and sells it to her neighbours and acquaintances. Her eldest son is in the Russian Federation where he earns money, and he sends some cash to his parents every month whenever possible. Her younger children are still studying in school. Sayora plans to use this loan to increase her herd. She thanks Arvand in advance for the financial support.
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Сайёра женщина в возрасте 35 лет. Замужем, имеет 3 детей. Она вместе с мужем более 12 лет занимаются откормом скота. В наличии имеет около 18 голов мелко рогатого скота. Сайёра содержит скот у себя дома и она очень хорошо разбирается в преимуществах своего дела, знает когда закупать и продавать скот. У нее также имеется дойная корова. Каждый день Сайера доит по 10 литров молока и продаёт молоко соседям и знакомым. Старший сын находится в Российской Федерации. Он зарабатывает там денежные средства и каждый месяц по возможности отправляет деньги родителям, а младшие дети пока учатся в школе.
Сайёра на полученный кредит хочет купить скот и увеличить свое стадо. Заранее благодарит 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
  • 199
    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 Sayora to buy livestock.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 24, 2013
Feb 8, 2013
Currency Exchange Loss:
Jan 17, 2014