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Muattar works in a sweets shop. She not only makes sweets, but also controls the production and quality of prepared scones, pastries, custards, and cakes. Muattar is a very hardworking and also skillful hostess, a mistress of all trades. Her monthly income is directed at educating her two children and daily expenses, and her husband's income covers food and clothing for the family. Despite not being a very large income, she tries to create a good environment for the development and education of her children.

With these goals, she applied for a loan a few years ago from MDO Arvand and now once again is getting a loan to equip her household. She now wants to get another loan for the purchase of household appliances.

Muattar tries to do everything such that her children will not need for anything and will grow into literate people. As Muattar herself says, «Thanks to the support from Arvand, I can create a good environment for my children and build them a good future." She sincerely thanks MDO Arvand also for the financial support.
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Муаттар работает в кондитерском цехе. Она не только изготавливает сладости, но и контролирует производство и качество изготовленных булочек, печений, заварных и тортов. Муаттар очень трудолюбивая и к тому же умелая хозяйка, мастерица на все руки. Её ежемесячный доход направлен на обучение двоих детей и ежедневные расходы, а муж своим доходом обеспечивает питание и обувание своей семьи. Несмотря на не очень большой доход она старается создать хорошие условия для развития и обучения своих детей. С этими целями несколько лет тому назад она обратилась за кредитом в МДО «Арванд» и вот уже который раз она приобретает кредит и обустраивает своё жильё. Также и теперь она хочет получить очередной кредит для приобретения бытовой техники для дома. Муаттар старается делать всё, чтобы её дети не нуждались не в чем и выросли грамотными людьми. Как говорит сама Муаттар, «благодаря поддержке от Арванд я смогу как то создать хорошие условия для своих детей и построить им хорошее будущее». Она искренне благодарит МДО «Арванд» и 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
  • 158
    View loans »
    Tajikistan Loans Fundraising
  • $29,643,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Muattar to purchase household appliances.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 4, 2013
Feb 8, 2013
Currency Exchange Loss:
Aug 17, 2013