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Marifat is a loving mother of three children and sells jewelry at the local market. Previously she sold children's clothes, but the business had become less and less profitable. Her friends and acquaintances have been selling jewelry for a while and Marifat also decided to try her hand at selling silver. Her youngest son helps Marifat manage the store when Marifat herself is away to purchase more inventory. This year Marifat is planning to have a wedding for her daughter as she has many suitors. She wants to provide a nice dowry for her daughter so she is saving money for this summer's wedding. Marifat plans to use this loan to increase goods turnover and expand her inventory.
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Марифат любящая мать 3 детей. Маърифат торгует на рынке ювелирными изделиями, раньше она торговала детской одеждой, но с годами этот вид бизнеса ей приносил меньше дохода чем раньше. Ее знакомые и подруги давно торгует ювелирными изделиями, она также решила реализовать серебро. Ее младший сын помогает в бизнесе когда Марифат уезжает за товаром за пределы города.
В этом году Марифат планирует выдать дочь замуж, так как к ней приходят много хороших сватов. Она хочет сделать хорошее приданное для своей дочери, к лету она планирует собрать деньги на приданное. На полученный кредит хочет увеличить свой товарооборот и разнообразить ассортимент.

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
  • 101
    View loans »
    Tajikistan Loans Fundraising
  • $29,901,400
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,900 helped Marifat to purchase jewelry for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 10, 2013
May 1, 2013
Currency Exchange Loss:
Apr 16, 2014