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Mohbika is a 38-year-old woman. She is married and has three children in her care. She is a very kind mother and a hard-working person. Mohbika works at one of her village's diners, where she cleans, washes dishes and serves customers. Her work is very hard and tiring, but Mohbika has no choice but to keep doing it as she needs to feed her family and raise her children.

For a long time, Mohbika has been hoping to carry out repairs in her home, which is in need of renovation. She has some savings, but not enough to purchase the necessary construction materials. After learning about loans from MDO Arvand, LLC from her acquaintances, Mohbika decided to apply for one. She will use this loan to buy building materials and repair her home. Mohbika hopes that Arvand will help her and support her in realizing her plans.
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Мохбика женщина возрасте 38 лет. Она замужем имеет троих детей на воспитании. Она очень хорошая мать и трудолюбивая женщина. Мохбика работает в одной из столовой своего села. Она убирает,моет посуду, обслуживает клиентов. У нее очень тяжелая работа, она очень устает но ей приходится работать не смотря ни на что. Ей надо кормить семью и поднимать детей.
Мохбика давно хотела отремонтировать свой дом так как ее дом нуждается в обновлении. У нее есть накопленные денежные средства но на покупку строительных материалов не хватает. От знакомых она узнала что Арванд дает кредиты и она решила подать заявку.
На полученный кредит Мохбика решила отремонтировать свой дом и купить строительные материалы. Надеется ,что в Арванде ей помогут и поддержат в реализации ее планов.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Tajikistan

  • $2,700
    Average annual income
  • 168
    View loans »
    Tajikistan Loans Fundraising
  • $29,662,800
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Mohbika to buy building materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 4, 2013
Apr 19, 2013
Currency Exchange Loss:
May 17, 2014