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Normahmad is a happy and responsible 35 year-old man. He is married and has four children. They live in harmony and happiness. Their living conditions are not very favorable because they live in a mountainous area, but Normahmad tries to provide his children with all of the necessities. He is involved in his own business in order to have a consistent income in the family. He has six heads of small livestock. His wife, Nilufar, helps him with this business. She is a good helper to her husband and a caring mother to her children. Also, Normahmad is involved in growing agricultural crops. Last year, he got a harvest and a decent profit as an additional income. But because animal husbandry yields his main income, Normahmad wants to expand this business and increase his income to satisfy his family's needs. This is why he came to Arvand and wants to obtain a loan to buy several heads of livestock for subsequent resale. He relies on the support very much and thanks Arvand in advance.
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Нормахмад жизнерадостный и ответственный мужчина в возрасте 35 лет. Он женат и имеет четверых детей. Живут они дружно и счастливо. Хотя условия для их жизни не совсем благоприятные, так как они живут в горной местности, но Нормахмад старается обеспечивать своих детей всем необходимым. Чтобы иметь постоянный доход в семье он занимается своим бизнесом. Нормахмад разводит скот, откармливает их и продаёт. И от этого бизнеса он имеет постоянный хороший доход в семью. В наличии он имеет 6 голов мелко рогатого скота. В реализации данного бизнеса ему помогает жена Нилуфар. Она хорошая помощница своему мужу и заботливая мать для своих детей. Также Нормахмад занимается выращиванием сельхоз культуры. В прошлом году он получил хороший урожай и приемлемую прибыль, как дополнительный доход. Но так как основной доход ему приносит животноводство, Нормахмад желает расширить этот бизнес и увеличить получаемый доход для удовлетворения нужд своей семьи. Поэтому он обратился в Арванд и хочет получить кредит для покупки несколько голов скота для дальнейшей их продажи. Он очень надеется на поддержку и заранее благодарит Арванд.

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
  • 188
    View loans »
    Tajikistan Loans Fundraising
  • $30,367,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Normahmad to buy livestock.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 6, 2013
Jun 13, 2013
Currency Exchange Loss:
Jul 17, 2014