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Gulom lives in an agricultural area, in a village far away from the city. He is married and is raising three children. He has twelve years of experience in raising livestock. His father raised livestock and Gulom helped his father since his childhood. They had one calf that he had to take care of. He grew up and followed in his father's footsteps. He started his business with two sheep. At first he had a hard time, especially in wintertime he had to spend more for livestock feed. But over time experience proved valuable and Gulom started finding ways to overcome barriers and ways to better expand his business. Today he has more than 50 heads of livestock. His wife and three children also take part in the business. Due to the season he does not want to sell his cows right now, because their prices fell. Gulom needs additional resources to buy livestock feed. With this goal he turned to MDO Arvand for a loan. He plans to use the loan to buy livestock feed.
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Гулом живет в сельской местности, в далёком от города селе. Женат и воспитывает троих детей. Он имеет двенадцатилетний опыт в сфере животноводство. Его отец занимался разведением скота и Гулом с детство помогал отцу. У них был один теленок, за которым он должен был ухаживать. Он вырос и пошёл по стопам отца. Начал свое дело с двух голов барана. Поначалу ему было тяжело, особенно в зимнее время и приходилось тратить больше средств на корм скота. Но со временем опыт доказывал своё и Гулом стал находить пути решения препятствий и способы для лучшего продвижения своего дела. На сегодня он имеет более 50 голов скота. Его жена и трое детей также вовлечены в это дело. В связи с сезонностью он не хочет продавать своих коров сейчас, так как цены на них упали. Гулом нуждается в дополнительных средствах для покупки корма скота. С этой целью он обратился в МДО «Арванд» за кредитом. На полученный кредит планирует прикупить корм для скота.

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
  • 267
    View loans »
    Tajikistan Loans Fundraising
  • $30,431,075
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Gulom to purchase livestock feed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 4, 2013
Mar 22, 2013
Currency Exchange Loss:
Apr 16, 2014