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Jamshed is a 28 year old man and he lives in a rural area. He is married and has two children. His wife takes care of the children full time. Jamshed doesn't have a higher education because there was never a possibility for him to study. He earns his living selling coal and he's been in business for 10 years. He started his business with ten bags of coal, but now he buys it up by the ton. There is a strong demand for coal right now because it's winter and many people heat their homes with it. This is his family's only source of income.

Since he never had the chance, Jamshed's dream is that his children will get higher educations and will work, not selling coal, but in respectable professions. Jamshed works day and night to make his dream a reality.

Jamshed is taking out this loan to buy coal so he can increase his sales. He is relying on MDO Arvand's support.
View original language description ↓
Чамшед мужчина в возрасте 28 лет. Проживает в сельской местности. Женат и имеет 2 детей. Супруга занимается воспитаем детей. Сам Чамшед не имеет высшего образования, так как не было возможности учиться.
Зарабатывает на жизнь купле-продажей угля. Этим бизнесом он занимается на протяжении 5 лет, а начинал он его с 10 мешков угля. На данный момент он закупает его тоннами. У него хороший спрос на товар так как сейчас зима и многие люди отапливают свои дома углем. Это единственный доход в семье. Так как сам Чамшед не учился он мечтает чтобы его дети учились и получили высшее образование, зарабатывали на жизнь не продажей угля а по профессии, работали в достойных учреждениях. Чтобы воплотить свою мечту в реальность Чамшед трудится день и ночь.
Чамшед берет кредит для покупки угля и этим самым он хочет увеличить свой товарооборот. 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
  • 104
    View loans »
    Tajikistan Loans Fundraising
  • $29,921,900
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Jamshed to purchase coal.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 13, 2013
Feb 23, 2013
Currency Exchange Loss:
Feb 17, 2014