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Zokir and his family live high up in the mountains. He is in the business of raising cattle. This is Zokir's only business because, in the mountains, raising cattle is the only thing that works. He is the only breadwinner for his family. Zokir has a very difficult life, but he doesn't give up and he is trying to develop his business. He knows that if he loses heart, his family will not survive. So, Zokir tries to keep moving forward and to never despair.

Once every two weeks, Zokir takes his cattle to the market where he sells them and he immediately buys calves. Right now, he has 10 head of cattle. He is planning to increase the size of his herd, but he does not have sufficient financial means to do so. Because of this, Zokir applied to MDO Arvand for financial support.

Zokir wants to use his loan to buy one more calf, which he will raise and fatten for sale at an advantageous price this spring. He is reliant on MDO Arvand's support.
View original language description ↓
Зокир и его семья живут далеко в горах. Он занимается выращиванием скота. Кроме этого вида деятельности Зокир больше не чем не занимается, так как в горах только откорм скота актуален. Он является единственным кормильцем в семье. Зокиру очень трудно, но он не сдается и старается развивать свой бизнес. Он понимает,что если он опустит руки его семья не проживет в горах, поэтому Зокир старается идти только вперед и не отчаивается. Один раз в две недели Зокир вывозит своих скотов на рынок и продает их, и сразу же покупает молодых телят.Сейчас у него на счету 10 голов крупно рогатого скота. Он планирует увеличить поголовье скота но денежных средств не хватает и в связи с этим Зокир обратился в организацию Арванд за финансовой поддержкой.
На полученный кредит Зокир хочет приобрести одного теленка и откормив до весны продать за выгодную цену. Он очень надеется на поддержку от организации Арванд.

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
  • 108
    View loans »
    Tajikistan Loans Fundraising
  • $29,896,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Zokir to buy cattle.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Feb 1, 2013
Feb 23, 2013
Currency Exchange Loss:
Nov 17, 2013