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Fotima is a kind and responsible woman who has turned to Arvand for a loan. She is 42 years old and is married with three children. Neither Fotima nor her husband have a higher education, which is why they and their whole family raise livestock. They have ten head of cattle that comprise their only income, which is acceptable. Fotima learned about this line of work from her parents. Every week her husband takes the fattened cows to the market to sell and he immediately purchases young calves. Fotima is trying to increase their business. For a long time, she has dreamed of making repairs to their home, as they live in very poor conditions. She hopes to save up the money and maybe this summer she can improve their living situation for her children. On receiving her loan, Fotima plans to buy a few head of livestock, as they are available at a lower price right now. She thanks Arvand in advance for their financial support and understanding.
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Фотима обратилась в организацию Арванд для получения кредита. Она добрая и ответственная женщина в возрасте 42 лет. Замужем, имеет троих детей. У Фотимы и ее мужа нету высшего образования поэтому они всей семьей занимаются откормом скота. У них в наличии имеется 10 голов крупно рогатого скота. Это их единственный доход в семье и очень приемлемый. Этим видом деятельности Фотима научилась от своих родителей. Каждую неделю ее муж выводит откормленных скотов на рынок и продает и сразу же покупает молодых телят. Фотима старается развивать этот бизнес. Она очень долгое время мечтала отремонтировать свой дом так как они живут в очень плохих условиях. Надеется накопить денег и этим летом создать хорошие условия проживания для своих детей.
На полученный кредит Фотима планирует купить несколько голов скота, так как сейчас скот можно купить за дешевую цену. Она заранее благодарит организацию Арванд за финансовую поддержку и понимание.

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
  • 216
    View loans »
    Tajikistan Loans Fundraising
  • $29,718,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Fotima to buy cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 22, 2013
Feb 22, 2013
Currency Exchange Loss:
Jan 17, 2014