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Najmiddin is 46 years old, married, and has three children. He's a man with many positive qualities. He's a very kind and responsible person. When he was a child, he dreamed of becoming an entrepreneur. Now that he's grown, he buys and sells men's clothing and footwear and he enjoys this work very much. Najmiddin imports clothing to his village from another city and sells them in his store. His wife does not have a job outside of the home and focuses on raising their children.

This business is the sole source of income for the family. For this reason, Najmiddin is trying to develop his business and save money for his children's future. Since he does not have enough money to buy a new assortment of men's clothing, on the advice of his friends, he turned MDO Arvand for a loan. From loan proceeds Najmiddin Nachmiddin wants to buy a new range of men's clothing and shoes. He expresses his gratitude to MDO Arvand and Kiva for financial support.
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Начмиддин мужчина в возрасте 47 лет. Он женат и имеет троих детей. Начмиддин мужчина с положительными чертами характера. Он очень добрый и ответственный человек. С самого детство он мечтал стать предпринимателем и всегда представлял себя в этом деле. И вот когда подрос стал заниматься куплей продажей одежды и обуви. Этот вид деятельности ему очень по душе. Начмиддин привозит одежду с другого города и продает в магазине своего села. Его жена негде не работает занимается воспитанием своих детей.

Этот бизнес является единственным доходом в семье. Поэтому Нажмиддин старается развивать этот бизнес и копит деньги на будущее своих детей. Так как ему сейчас не хватает денежных средств на закупку нового ассортимента мужской одежды, по совету своих знакомых он обратился организацию Арванд за кредитом.
На полученный кредит Начмиддин хочет закупить новый ассортимент мужской одежды и обуви. Он выражает свою благодарность МДО Арванд и Кива 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
  • 122
    View loans »
    Tajikistan Loans Fundraising
  • $29,861,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Najmiddin to purchase of a variety of new men's clothing and shoes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 7, 2013
Feb 25, 2013
Currency Exchange Loss:
Nov 17, 2013