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Shoirakhon was born in 1979 in the city of Kanibadam. At her parents' will, she was married at the young age of 16. She now has four children and she's happy. But it's not an easy job to raise and provide for her children. Her husband works abroad in the Russian Federation and she alone has to raise her children. Her husband at least sends money, but it's not enough for their needs. Shoirakhon's eldest daughter is already old enough and it's time to give her away in marriage. Shoirakhon has to earn this money herself.

She started by working at the local market as a sales person selling children's clothes. Little by little, she saved up enough money and opened her own store not far from her home. Shoirakhon buys her goods in another city and sells them for a profit in her town. And so for five years now, she has been independently working in this line of business. Now, since the demand for her goods has increased, Shoirakhon wants to expand her business.

For this reason, she has applied to MDO Arvand for a loan. She wants to use the loan to buy a new assortment of children's clothes. She is thankful in advance to MDO Arvand for its support and help.
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Шоирахон родилась 1979 году в городе Канибадаме. Вышла замуж в раннем возрасте в 16 лет по воле родителей. Сейчас у нее уже четверо детей. Она счастлива. Но растит их и обеспечить не легкая работа. Ее муж зарабатывает в РФ, и ей одной приходиться растит своих детей. Муж хоть и присылает ей деньги, но их не хватает на жизнь. Старшая дочка Шоирахон уже довольно взрослая, и ее надо выдавать замуж. Для этого Шоирахон пришлось работать самой.
Она сначала начала работать в местном рынке продавцом. Продавала детскую одежду. Постепенно она накопила денег и открыла свой местный магазин не далеко от своего дома. Шоирахон покупает товар с другого города и продает их по дороже в своем селе. Вот уже более пяти лет самостоятельно, занимается этим видом бизнеса. Но так как потребность к ее товарам растет, она хочет расширить свой бизнес. Для этого она обратилась организацию Арванд. Она хочет на полученный кредит закупить новый ассортимент детской одежды.Заранее благодарит Арванд за поддержку и помощь.

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
  • 108
    View loans »
    Tajikistan Loans Fundraising
  • $29,896,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Shoirakhon to purchase of a new range of children's clothes.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 3, 2013
Jun 1, 2013
Currency Exchange Loss:
Aug 20, 2013