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Zarina is a health professional. She works as a senior nurse in a hospital and helps sick people recover their health. She is a kind professional who supports and treats her patients not only with medications, but with her words of encouragement. She also always helps all her neighbors, friends and relatives.

However, a few years ago, Zarina's husband asked for a divorce, and she was left alone with two young children. Gathering her strength, she learned to accept her situation and decided to move forward. As a loving mother who always worries about her children, she works hard so that her family has enough and does not lack anything.

Like any woman, Zarina would like to own some nice things, such as jewelry. However, her income does not allow her to spend any money on things other than the basic necessities. Having learned about the possibility of credit, she decided to use this opportunity to buy some jewelry before the holidays. She hopes that MDO Arvand will help to make the dream of a simple and hardworking woman come true.
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Заррина хранительница здоровья людей. Она работает старшей медсестрой в больнице и помогает больным с восстановлением здоровья. Она добрый медик, так как поддерживает и вылечивает больных не только лекарствами, но и своими словами. Всегда приходит на помощь всем своим соседям, друзьям и близком. Но так сложилось, что несколько лет тому назад муж с ней развелся. Зарина осталась одна с двумя маленькими детьми. Собрав все силы в кулак, смогла смириться и идти вперёд по жизни. Как любящая мама всегда заботится о детях и трудится, чтобы жить в достатке и не нуждаться.
Как любая женщина, Зарина хочет иметь красивые вещи, украшения. Но её доход не позволяет тратиться на дополнительные вещи, кроме необходимых. Узнав об кредитовании решила воспользоваться и купить ювелирное изделие к праздникам. Надеется, что МДО «Арванд» поможет ей осуществить простую женскую мечту трудолюбивой женщины.

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
  • 121
    View loans »
    Tajikistan Loans Fundraising
  • $29,861,275
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Zarina to buy jewelry.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 18, 2013
Apr 1, 2013
Currency Exchange Loss:
Oct 17, 2013