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Gulchehra is a very patient and open-minded person. Her work experience shows on her kind and pleasant face, for she is a teacher, a guide to the world of knowledge. She has worked in this field for 23 years. In all this time, she has taught many students who have become a source of pride for their parents and who express gratitude to their teacher, Gulchehra. She has brought up 4 children of her own, 2 of whom are currently in school, 1 who is doing post-secondary studies, and a daughter who has started her own family. As she and her husband are caring and responsible parents, they are taking an active interest in their children's futures. She is well aware that in order to realise their plans, they need a certain amount of financial resources. With this in mind, she is very careful with the family budget and is saving a nest egg. She strictly controls spending because it is very difficult to bring up 4 children and provide for her own old age on only a teacher's salary. But, like all women, Gulchehra likes to wear beautiful dresses and have a jewelry box full of beautiful things. The end of the school year is approaching and she has decided to buy herself some jewelry as a reward to thank herself for the successful completion of another year of work. However, she does not have enough cash on hand, so she has decided to take advantage of the loan services of MDO Arvand. She hopes Arvand will trust her and lend her the funds that she needs. She extends her gratitude in advance for the support and for the piece of feminine happiness that comes from obtaining a desire. Gulchehra is proof that women are keepers of home and hearth, important and special members of society, who deserve to be happy no matter what.
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Гулчехра очень спокойный и открытый человек. Её опыт работы сказывается на её лице – добрый и приятный. Ведь она учитель – гид в мире знаний. У Гулчехры двадцати трехлетний стаж работы в сфере преподавания. За эти годы она воспитала много учеников, которые смогли стать гордостью своих родителей и выражают благодарность своей учительнице – Гулчехре. Наряду со своими учениками Гулчехра воспитала и вырастила своих четыре детей, которые на сегодняшний день двое из них учатся в школе, один учиться в ВУЗ-е, а дочка создала свою семью. Гулчехре с мужем как любящие, заботливые и ответственные родители небезразлично будущее детей. И Она как никто знает и понимает, что для реализации своих планов им необходимо определённые денежные средства. Отсюда же она бережно относится к семейному бюджету и делает заначки. У неё всё строго «по расписанию», так как одной зарплатой учителя тяжело поставить на ноги четверых детей и обеспечит себе хорошую старость. Но, как и любая женщина Гулчехра хочет надеть красивые платья, иметь свою шкатулку с ювелирными изделиями…
Приближается «последний звонок» и Гулчехра решила купить себе ювелирные изделия и этим наградить, или же отблагодарить себя за проделанный очередной годовой труд. Но не имея нужную сумму денег на руках, Гулчехра решила воспользоваться услугами ООО МДО «Арванд» и приобрести кредит. Она надеться, что Арванд доверятся ей и предоставят необходимую сумму денег. Заранее благодарить за поддержку и за кусочек женской радости от приобретения желаемого. Гулчехра ещё одно доказательство того, что женщина – хранитель очага, важное и особенное часть общество, которое имеет право быть счастливой несмотря ни на что.

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
  • 213
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Gulchehra to buy jewelry.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 26, 2013
Apr 12, 2013
Currency Exchange Loss:
May 17, 2013