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Bunafsha is a 33-year-old woman. She is married and has 3 children. Her husband is a migrant worker in the Russian Federation, and she has been working in food sales for the past 2 years. The money that her husband sends home is not sufficient to provide for the family, so Bunafsha tries to make it through the hard times on her own. She travels to the city to stock up on inventory herself, and her eldest son helps her out with the business even though he is only 12 years old. Her dream is for her children to grow up without wanting for anything. This year she wants to use her savings to carry out major renovations to her apartment, but the money she has put by will not be enough to cover such expenses, which is why she wants to increase her turnover and expand her business. Bunafsha will use the loan she receives from Arvand to purchase a wide variety of groceries to sell. She hopes to save up enough money so that in 6 months' time she can begin renovating her apartment.
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Бунафша является женщиной 33 лет, она замужем и имеет 3 детей. Ее муж находиться в Российской Федерации на заработках. Сама Бунафша занимается торговлей продуктов питания в течении 2 лет. То что присылает ей ее муж не достаточны для проживания семьи, поэтому она сама старается выживать в сложных ситуациях. За товаром ездит сама в город, старший сын помогает ей в бизнесе хотя ему всего лишь 12 лет. Бунафша мечтает что бы ее дети выросли в достатке и не в чем не нуждались.
В этом году она хочет провести ремонт в квартире на накопленные средства, а чтобы сделать капитальный ремонт накопленные средства не достаточны, поэтому она планирует пока увеличить свой товарооборот и расширить свой бизнес.
Бунафша на запрашиваемый кредит от Арванд, хочет закупить большой ассортимент продуктов питания. Она надеется,что сможет накопить нужную сумму и через пол года начнет ремонт в своей квартире.

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
  • $30,410,000
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,600 helped Bunafsha to buy food for her shop.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 14, 2013
Feb 23, 2013
Currency Exchange Loss:
Feb 17, 2014