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Muhtaram lives in a rural area a long way from the city of Kishlak. She has an extensive 20 years of experience in animal husbandry, and knows all the details of the trade. Raising animals earns her income, which she uses on housing, her children's education, and living expenses. Muhtaram has 5 cows and 7 sheep. She milks one cow, which gives her fresh, delicious milk which also brings in income. Since income from livestock is seasonal, she also works as an assistant at a local restaurant, which covers the family's everyday expenses. Her son helps with with the animals, and often takes them to pasture. Muhtaram is planning to buy more cattle and also feed for them, but doesn't have enough money at hand. She decided to ask Arvand for a loan, which she hopes with help her meet her goals. She would like to thank the organization in advance for its support and trust in her.
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Мухтарам живет в сельской местности, в далёком от города кишлаке. Она имеет большой двадцатилетний опыт в сфере животноводство и знает все тонкости этого дела. От скотоводство получает свой доход, которое тратит на жильё, учебу детей и проживания. Мухтарам имеет 5 коровы и 7 баранов. Она также доит корову и получает парное и вкусное молоко. Продавая молоко, она получает доход. Так как от скота Мухтарама получает сезонный доход, она также работает в местном ресторане помощником по хозяйству и покрывает ежедневные расходы семьи. Сын помогает ей в скотоводстве и часто выводит скот на пастбище. Мухтарам планирует купить крупно рогатый скот и корма для них, но не имеет достаточную сумму на руках. Мухтарам решила обратится в МДО «Арванд» за кредитом. Очень надеется найти решения своих задач приобретённым кредитом. Заранее благодарит МДО «Арванд» за доверие 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
  • 158
    View loans »
    Tajikistan Loans Fundraising
  • $29,643,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Muhtaram to buy cattle and feed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 10, 2013
Apr 21, 2013
Currency Exchange Loss:
Mar 17, 2014