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Bisharofat is a kind and responsible young woman. She is married and has 2 children. When she was a child, she dreamed of becoming a doctor, but unfortunately her dream could not be realised because her father died young and she had to give up her studies to help her mother at home. She is now married and works as a cook in a cafe, and her husband repairs cars at an autobody shop. This family has a small house that hasn't been renovated in a long time. Now the house is in poor shape and the facilities are in bad condition, which is why Bisharofat is seeking a loan to repair it. She wants her children to have comfortable living conditions. She will use the loan money to buy building materials so she can begin renovations. She is very happy that this dream can come true.
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Бишарофат молодая, добрая и ответственная женщина. Она замужем, имеет двоих детей. С самого детства Бишарофат мечтала стать врачом, но к сожалению её мечта не осуществилась так как ее отец умер рано и ей пришлось не учиться а помогать маме по хозяйству. Потом вышла замуж, сейчас она работает поваром в кафе, а муж работает мастером в тех станции, он ремонтирует автомашины.
У этой семьи маленький дом и давно этот дом они не ремонтировали. Сейчас дом в очень плохом состоянии, условия очень плохие, поэтому Бишарофат решила получить кредит и отремонтировать свой дом, создав своим детям хорошие условия и комфорт.
На приобретенный кредит Бишарофат планирует закупить строительные материалы и начать ремонт. Она очень рада,что сможет воплотить свою мечту в реальность.

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
  • 191
    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 Bisharofat to buy building materials.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 4, 2013
Feb 23, 2013
Currency Exchange Loss:
May 17, 2014