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Sharof is a cheerful man, 55 years of age. He is married and is a father to six children. Sharof and his wife live in harmony and try to raise their children to be good people. His two older sons already have their own families. Sharof and his wife are very happy to raise their grandchildren. To earn a living, Sharof runs his own business. For the last two years, he has sold fruits and vegetables. Previously, he worked in farming but then he decided to sell his own crops. He uses his own vehicle to transport his crops to a market in the city to sell. At the market he also buys other types of fruits and vegetables to sell back in his village. This business brings in consistent income. Now, Sharof wants to expand and build a small counter near his home where his wife will sell different types of fruits and vegetables. For this reason he wants to take out a loan to buy a large assortment of fruits and vegetables. For this loan, he turned to Arvand and he hopes for a positive outcome.
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Шароф жизнерадостный мужчина в возрасте 55 лет. Он женат и является многодетным отцом, так как имеет шестерых детей. Шароф со своей женой живут душа в душу, и стараются воспитывать своих детей хорошими людьми. Его два старших сына уже имеют свою семью и детей. Шароф и его жена очень рады растить своих внуков. Для того, чтобы иметь доход на проживание Шароф занимается своим бизнесом. Вот уже на протяжении двух лет он занимается купля продажей фруктов и овощей. Раньше он занимался деканством и потом решил реализовывать свой урожай. Он перевозит на собственной грузовой машине урожай, который получил от своего дехканства в город на рынок для продажи. А также покупает на рынке другого вида овощи и фрукты и продаёт их в своём селе. Этот бизнес приносит ему постоянный хороший доход. И сейчас Шароф хочет расширить свой бизнес, обустроить возле своего дома небольшой прилавок, где его жена будет продавать разнообразные овощи и фрукты. Поэтому он хочет взять кредит для закупа большого ассортимента овощей и фруктов. Для получения кредита он обратился в Арванд и надеется на положительный результат.

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
  • 105
    View loans »
    Tajikistan Loans Fundraising
  • $29,901,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $2,500 helped Sharof to buy fruits and vegetables.
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 23, 2013
Jun 6, 2013
Currency Exchange Loss:
Jul 6, 2013