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Shahodat lives in the city Kanibadam. She is 44 years old, married and has two children. She was unable to receive a higher education since her family has had financial problems since she was just a child. Shahodat's husband is a migrant worker in Russia since it's difficult to find work in Tajikistan. She buys and sells household products. In the beginning, it was difficult because she needed funds. In 2008, she rented a store at a local market and 5 years later, in 2012, she bought her own store with the money she earned. Last year, she was advised to turn to Arvand to take out a loan. With that capital, she expanded her selection of inventory and coincidentally increased her family's income. She is very glad that she made the decision to use Arvand. She has big plans for the future and very much wants her children to go to college and does everything in her power to reach this goal. With this loan, Shahodat again will buy household products to expand her inventory. She is very grateful to Arvand since with the help of such organizations, those with financial problems can achieve their goals.
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Шаходат живет в городе Канибадам, замужем и имеет двоих детей. Ей сорок четыре года. По семейным обстоятельствам Шаходат не смогла получить высшее образование, так как с детства в ее семье были финансовые проблемы. Супруг ее был вынужден уехать в РФ , так как были сложности с работой на родине.
Шаходат занимается купле -продажей хоз товаром. По началу ей было очень трудно так как она нуждалась в денежных средствах. В 2008 году она арендовала магазин для бизнеса и вот спустя пять лет на накопленные деньги от продажи хоз товаров она приобрела собственный магазин на местном рынке. В 2012 году по совету знакомых Шаходат обратилась в МДО «Арванд» за кредитом. На полученный кредит она увеличила свой ассортимент и тем самым повысила свой семейный доход. Она очень рада, что обратилась в Арванд . У нее большие планы на будущее, она очень хочет, чтобы ее дети учились в высших учебных заведениях и поэтому старается делать все, чтобы добиться своей цели.
На полученный кредит Шаходат опять хочет купить хоз товары и увеличить свой ассортимент. Она очень благодарна организации Арванд, так как с помощью таких организаций люди, имеющие финансовые проблемы могут осуществить свои планы.

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
  • 116
    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 $2,100 helped Shahodat to purchase household goods.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Apr 8, 2013
Apr 13, 2013
Currency Exchange Loss:
Nov 17, 2013