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Nemat lives in a rural area, far from the city. He has a big fifteen year experience in the field of animal husbandry. His father was engaged in livestock breeding and Nemat since childhood helped his father.

He had one sheep for which he had to provide care. As Nemat himself says, "I was very fond of that little gray sheep. Then that was a child's enthusiasm. Now this is my income and life earnings." He grew up and followed in his father's footsteps. He started his activities with two heads of sheep. Initially, it was not easy for him, especially in the winter when the whole earth was covered with snow and he had to spend more money to feed the livestock. But years of experience proved themselves out and Nemat began to find ways to address the challenges and to better promote his business.

Now, he has more than 50 head of sheep. His wife and three children are also involved in the business. Nemat is also a master bricklayer and plasterer. He works part-time for accommodation, his children's education and daily expenses.

Due to the season, he cannot sell his sheep now as prices have fallen. Nemat needs additional resources to continue caring for his livestock and to acquire new livestock. To this end, he appealed to MDO Arvand for a loan. He plans to use the loan to buy livestock. He is grateful to Arvand for the support and their huge rule in his life.
View original language description ↓
Немат живет в сельской местности, в далёком от города кишлаке. Он имеет большой пятнадцатилетний опыт в сфере животноводство. Его отец занимался разведением скота и Немат с детство помогал отцу. У него был один баран, за которым он должен был ухаживать. Как говорит сам Немат: «Я очень любил своего маленького серого барана. Тогда это было детским увлечением. Теперь это мой доход и заработок на жизнь». Он вырос и пошёл по стопам отца. Начал свое дело с двух голов барана. Поначалу ему было нелегко, особенно в зимнее время, когда вся земля было покрыто снегом и приходилось тратить больше средств на корм скота. Но годами опыт доказывал своё и Немат стал находить пути решения препятствий и способы для лучшего продвижения своего дела. Теперь на сегодня он имеет более 50 голов барана. Его жена и трое детей также вовлечены в это дело. Немат также мастер - каменщик и штукатур. Подрабатывает дополнительно для проживания, обучение детей и ежедневные расходы. В связи с сезонностью он не может продавать своих баранов сейчас, так как цены на них упали. Немат нуждается в дополнительных средствах для дальнейшего корма скота и приобретения новых скотов. С этой целью он обратился в МДО «Арванд» за кредитом. На полученный кредит планирует купить скот. Выражает благодарность Арванд за содействие и огромную роль в его 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
  • 195
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Nemat to purchase livestock.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Feb 7, 2013
Feb 15, 2013
Currency Exchange Loss:
Dec 17, 2013