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Nazira is a 43 year-old woman. She is married and has three children. Nazira is involved in animal husbandry and farming. She primarily grown potatoes at a dekhan farm. Her primary income, however, comes from animal husbandry. Nazira's son helps her with the animal husbandry business. Additional income comes from her husband, who works in Russia and sends as much money as possible to the family every month. Nazira wants to build a new house for her son, but the money she saved is not enough. She learned about the Arvand organization from her friends and decided to make a request. Nazira plans to use this loan to begin building the house and buy construction materials. She thanks Arvand in advance for the support and understanding.
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Назира женщина в возрасте 43 лет. Она замужем и имеет троих детей. Сама Назира занимается животноводством и деканством. В деканстве они в основном занимаются выращиванием картошки. Но основной доход у нее от скотоводства. Назире помогает в животноводстве ее сын. Дополнительный доход в семье от мужа который работает в России и каждый месяц отправляет по мере возможности денежные средства своей семье.
Назира хочет построить новый дом для своего сына и деньги которые она накопила не хватает. От своих знакомых она узнала про организацию Арванд и решила подать заявку. На полученный кредит Назира планирует начать стройку дома и купить строительные материалы. Заранее благодарит организацию Арванд за поддержку и понимание.

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
  • 183
    View loans »
    Tajikistan Loans Fundraising
  • $30,358,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Nazira to buy construction materials for building a new house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 2, 2013
May 7, 2013
Currency Exchange Loss:
May 17, 2014