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Umarali is an optimistic 40 year old man. He is married and has three children. Umarali lives with his family in a small mountain village. To earn money he and his wife have their own business. They really want to expand it so that they will have more money for living. They are also saving money to build a bigger house where their children can live with their own families. Umarali raises cattle for a living and sells their meat and milk. The livestock business provides the family with a comfortable income and takes care of his family's needs. Umarali's wife helps take care of the animals and she also sells milk in the morning to her neighbors. Umarali pastures the cattle near his house. He also takes care of the neighbors' and friends' livestock in the mountains and they pay him for the service. Now Umarali plans to expand his herd so that more profits can be made from it. He has turned to Arvand for a loan which he will use to buy more cattle. Umarali is thankful in advance to Arvand for their support.
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Умарали жизнерадостный мужчина в возрасте 40 лет. Он женат и имеет 3-их детей. Умарали со своей семьёй живёт в маленьком горном посёлке. Чтобы зарабатывать на проживание, он со своей женой ведут свой бизнес. Они очень хотят развивать этот бизнес для получения хорошей прибыли. А также они копят деньги на строительство большого дома, где будут жить их дети со своими семьями. Умарали занимается животноводством, он покупает скот, выращивает их и потом продаёт мясо и полученное от них молоко. От этого вида бизнеса он получает хороший доход для проживания и удовлетворения потребностей и нужд своей семьи. Жена Умарали помогает ему в этом деле, на неё возложена ответственность ухаживать за скотом, а также по утрам она продаёт молоко, полученное от этого скота. Умарали пасёт своих скот на поле неподалёку от своего дома. А также он ухаживает за скотом своих друзей и знакомых в горных регионах и за это они платят ему деньги. Сейчас Умарали планирует увеличить количество своего скота в целях увеличения своего бизнеса и получения больше прибыли. Поэтому он обратился в Арванд и хочет взять кредит для того, чтобы купить некоторое количество голов скота. Заранее благодарит Арванд за 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
  • 213
    View loans »
    Tajikistan Loans Fundraising
  • $29,712,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Umarali to buy cattle.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
May 10, 2013
May 31, 2013
Currency Exchange Loss:
Nov 17, 2013