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Gulnora is a skilled seamstress, having begun sewing in her childhood. She sews beautiful national dresses for women. She also skillfully embroiders beads and decorative flowers that she uses to adorn her dresses. Her talent is masterful. As a youth, she took lessons from a skilled artisan. There, she learned all the details of her craft. As Gulnora herself has said, her teacher was very demanding but managed to pass along her skills and mold her into the talent she is today. When Gulnora started her family and had three children, the need for income increased and she decided to open her own shop. Six years ago, she and a few of her seamstress friends rented a space near a market. initially, Gulnora used a sewing machine that she rented with the space. But she later decided she wanted to buy a new sewing machine for herself. For the means to do so, she turned to Arvand. With their support, she did just that. Now, with the increasing needs of her family, she wants to buy her own embroidery machine. With this machine, her small business will be able to survive and she will be able to continue to offer her services to a larger number of clients. This will allow her to earn enough money for her family and her children's education. She hopes that this loan from Arvand will help her advance closer to her goals and to move past this difficult time.
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Гулнора умелая швея. Она шьёт прекрасные национальные платья для женщин. Также Гулнора умело вышивает на платье бисера, бусы, создаёт декоративные цветы из них и украшает ими платье. Гулнора швея с детство. У неё талант к этому мастерству. В юношеском возрасте ходила на ученики к швейному мастеру. Там же она научилась всем тонкостям своего дела. Как подчеркнула сама Гулнора, её наставница была очень требовательной и сумела передать своё мастерство и воспитать в Гулноре хорошую швею. Когда Гулнора создала семью и родила троих детей нужда в больших средствах увеличилось и она решила самостоятельно открыть цех. Шесть лет назад привлекла нескольких подруг- швеи, арендовала помещение рядом с рынком. Поначалу Гулнора пользовалась швейной машинкой, которая арендовала вместе с цехом. Но потом решила приобрести новую собственную швейную машинку. Для этого обратилась в МДО «Арванд» и получив поддержку со стороны организации она приобрела швейную машинку. Теперь же в связи увеличением потребности семьи в дополнительных средствах Гулнора хочет купить собственную вышивальную машинку. Этим она и её «маленький бизнес» смогут «выжить» и она продолжит обслуживать большее количество клиентов зарабатывая нужную сумму на образование детей и благополучие своей семьи. Она очень надеется, что приобретённый кредит от Арванд поможет ей не остаться на половине пути и перешагнуть этот трудный момент.

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
  • 190
    View loans »
    Tajikistan Loans Fundraising
  • $30,409,250
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Gulnora to buy embroidery machines.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 21, 2013
Mar 3, 2013
Currency Exchange Loss:
Apr 16, 2014