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Azam is 50 years old and lives in Kanibadam. He's married and has 3 children. His wife doesn't work outside of the home. He himself works as a carpenter. He makes repairs to homes and provides services with everything involving furniture manufacturing, doors, ceilings, etc.

He is the sole provider for the family. It is difficult for him because the prices have increased. Azam works hard on the weekends too, as he wants to be able to give his children what they need, he wants to give what he's missed in his childhood. He plans to teach his kids to work in specialized fields.

Azam is asking for a loan to buy raw materials for manufacture. He has been a borrower with Arvand since 2011 and has never violated the terms of his contract. He hopes that this loan will help him again and that he will be able to save for his children's education.
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Аъзам, мужчина в возрасте 50 лет. Проживает в городе Канибадам. Он женат и имеет троих детей. Супруга его нигде не работает, домохозяйка. Сам Аъзам работает плотником. Занимается оказанием услуг по ремонту жилища – все то, что касается изготовления мебели , дверей, потолков и т.д.

Он является единственным кормильцем в семье. Ему очень тяжело , так как цены на все поднялись. Трудится Аъзам и в выходные дни, так как хочет чтобы его дети ни в чем не нуждались, он хочет дать то, чего не было у него в детстве. Планирует выучить своих детей , чтобы они работали по специальности.

Аъзам запрашивает кредит на закупку сырья для изготовления изделий. Он кредитуется в Арванде с 2011 года и не никогда не нарушал условия кредитования. Надеется,что кредит в очередной раз ему поможет и он сможет накопить денег на учебу своих детей.

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
  • 117
    View loans »
    Tajikistan Loans Fundraising
  • $29,882,225
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Azam to purchase raw materials to make furniture.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 20, 2013
Mar 20, 2013
Currency Exchange Loss:
Jan 17, 2014