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Kumri is a professional milkmaid. She used to work as a milker in the city dairy factory. She has many awards and recognitions. As she remembers, "those were good times. There were many cows and the gave rich, tasty milk. I was the lead worker and drew up to 110 liters of milk every day and looked after the cows. The cows even had their own names. Since then, I still have a passion for livestock."

Like many others, Kumri was left without work when the factory closed. Tough times came and she decided to start her own small farm. At that moment, her ten years of experience came in handy. She bought two cows, sold their milk, and she began to earn a living this way. Kumri's husband helped her with the raising and feeding of the cows. Thanks to her her work and positive attitude, Kumri was able to raise her three small children. But a year ago, she lost one cow to an illness and she had to sell the other because she needed the money. Now Kumri has one cow and she wants to get another one. With this goal in mind, she turned to "Arvand" for financial support. She wants to raise livestock and sell their milk so she can earn a living. That way, she will be able to put aside some of her husband's money to save for her children's future. Kumri thanks "Arvand" for their financial help and for their support of people who are going through difficult times.
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Кумри профессиональная доярка. Раньше работала в городском молочном заводе, доила коров. Имеет множество наград и грамот. Как сама вспоминает: «были хорошие времена. Коров было много, и все давали густое, вкусное молоко. Я была передовиком и доила по 110 литра молоко каждый день, ухаживала за коровами. У коров даже были свои имена. С того момента у меня остались увлечение к животноводству». Кумри как и многие другие осталась без работы, когда закрыли завод. Наступили трудные времена и она решила создать свою маленькую ферму. В этот момент десятилетний опыт пришёл ей в помощь. Она приобрела пару крупного рогатого скота , доила их и продавала молоко. Этим зарабатывала на хлеб. Муж всячески помогал ей, он разводил и кормил коров. Благодаря своему трудолюбию и оптимистичности Кумри смогла поставить на ноги своих троих маленьких детей. Но год назад из-за болезни одна корова умерла а другую пришлось продать из-за нужды в деньгах. Сейчас Кумри имеет одного КРС и хочет приобрести ещё одного. С этими намерениями обратилась в МДО «Арванд» за финансовой поддержкой. Она хочет разводить коров, доить их и продавать молоко, чтобы зарабатывать на проживания. И этим сможет как то сэкономить заработанные деньги мужа и делать заначку для будущего своих детей. Кумри благодарит "Арванд", за то, что финансово помогают и поддерживают людей в трудный период их жизни.

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
  • 153
    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 $225 helped Кумри to buy cattle.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Feb 8, 2013
Feb 16, 2013
Currency Exchange Loss:
Jun 17, 2013