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Egam is an elderly but active man of the age of 50 years. He is married and has six children. In his youth he received education in carpentry and for a long time he worked as a carpenter. But when he got a family and children, this type of work became very difficult for him, as the work was a physical exertion for him.

After some time, Egam and his wife started their own business, which does not require hard physical work and brings a good and stable income. To this day Egam works with fattening cattle. He has a small plot of land next to his home. Currently Egam has four sheep and goats. He not only raises and sells livestock, but also sells milk from it. Every morning his wife and children sell 10 liters of milk to the neighbors and other customers.

Egam's eldest son is in Russia as a migrant worker and every month, when possible, he sends financial support to his parents. Egam wants his children to have a good income and not be in need of anything. He would like to expand his business, in order to receive a larger income. Therefore he would like to get a loan from Arvand, to increase the number of livestock and the size of his income. After that he would like to expand his business and increase the quality of life for his family.
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Эгам пожилой, но активный мужчина в возрасте 50 лет, женат и имеет шестеро детей. В молодости он получил профессиональное образование мастера строительных работ, и долгое время работал строителем. Но когда у него появилась семья и дети, этот вид работы стал для него очень трудным, так как для него это было большой физической нагрузкой. Спустя некоторое время, Эгам со своей женой начали собственный бизнес, который не требует большой физической нагрузки и приносит хороший и стабильный доход. И по сей день он занимается откармливанием скота. Он имеют небольшую площадь земли рядом со своим домом. На сегодня Эгам имеет в наличии 4 мелко-рогатого скота. Но он не только выращивает и продаёт скот, а также продаёт и молоко, полученное от этого скота. Каждое утро его жена с детьми разносят и продают по 10 литров молока соседям и другим покупателям. Старшие сыновья Эгама находятся на заработках в России и каждый месяц по возможности отправляют денежные средства домой своим родителям. Эгам желает, чтобы его дети имели хороший достаток во всём и ни в чём не нуждались. Он хочет расширить свой бизнес, для того, чтобы получать больше дохода. Поэтому он хочет получить кредит в Арванд для увеличения количества скота и объёма своих доходов. Через это он надеется расширить свой бизнес и улучшить качество жизни своей семьи.

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
  • 117
    View loans »
    Tajikistan Loans Fundraising
  • $29,875,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Egam to purchase livestock.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 6, 2013
May 5, 2013
Currency Exchange Loss:
Mar 17, 2014