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Gavharoi is a female shepherd. She is great at raising cattle, sheep, and goats. As there was no son in her family, Gavharoi helped her father raise livestock as a child. Now the skills that she gained and her father's lessons have become Gavharoi's main source of income. Additionally, she works on a dehkan farm, where she gets her family's daily vegetables, greens, and fruit. Hence, her animal husbandry work has been bringing in her family's "daily bread" for 30 years. Due to time constraints associated with her finances, Gavharoi decided to turn to a loan. She has entrusted her future income and material well-being to MDO "Arvand". She wants to purchase cattle and cattle feed with the loan. She thanks MDO "Arvand" in advance for the assistance.
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Гавхарой - женщина пастух. Она отлично умеет разводить крупно рогатый скот и мелко рогатый скот. Так как в семье не было сыновей, Гавхарой с детство помогала отцу в скотоводстве. Теперь приобретённые навыки и занятия отца стали источником дохода Гавхарой. Также она занимается дехканским хозяйством, от которого получает овощи, зелень и фрукты для ежедневного питания семьи. Вот уже тридцать лет она приносит "хлеб" в семью занятием скотоводство. В связи с временными трудностями связанное с финансами, Гавхарой решила обратиться за кредитом и доверила МДО "Арванд" свой будущий доход и благополучие. На приобретенный кредит хочет купить корм и крупный рогатый скот. Заранее благодарит МДО "Арванд" за помощь и поддержку.

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
  • 268
    View loans »
    Tajikistan Loans Fundraising
  • $30,430,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Gavharoi to purchase cattle and cattle feed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 13, 2013
Apr 15, 2013
Currency Exchange Loss:
Mar 17, 2014