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Zulfira is a kind and understanding 32 year-old woman. She is a beautiful wife for her husband. Her husband also loves and values her. While they do not yet have children, they dream of having them. They live in a small village. Zulfira is involved in her own business to provide a consistent income for living. She is a dekhan farmer, who grows potatoes and then sells the harvest and earns a good income. She has her own land for planting potatoes; the size of the land is 1 hectare. Zulfira's husband helps her with this business. When it is time to gather and sell the harvest, he organizes this work. They also raise livestock to earn additional income. They have several heads of livestock. Zulfira milks the cow by herself in the mornings and sells the milk to her neighbors. At the present time, Zulfira and her husband want to increase their income because they dream of having a child in the near future and need to set up favorable conditions in their home. This is why they want to increase the volume of their harvest and need money to purchase seeds for planting potatoes. Zulfira came to Arvand for this purpose and wished to obtain a loan to buy seeds. She thanks Arvand for the support in advance.
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Зулфира добрая и отзывчивая женщина в возрасте 32 лет. Она прекрасная жена для своего мужа. Муж тоже любит и ценит её. Пока они не имеют детей, но очень мечтают о них. Живут они в маленьком посёлке. Чтобы иметь постоянный доход на проживание Зулфира занимается своим бизнесом. Она дехканка, выращивает картофель, а потом продаёт полученный урожай и получает хороший доход. У неё есть своя площадь земли для посева картофеля, площадь составляет 1 га. Муж Зулфиры помогает ей в этом деле, когда приходит пора собирать и продавать урожай, он организовывает эту работу. Также для получения дополнительного дохода, они выращивают скот. У них есть несколько голов скота. Зулфира по утрам сама доит корову и продаёт полученное молоко соседям. В данное время Зулфира с мужем хотят увеличить свой доход, так как в ближайшем будущем мечтают о ребёнке и для этого нужно подготовить благоприятные условия в их доме. Поэтому они хотят увеличить объём своего урожая и нуждаются в денежных средствах, чтобы закупить семяна для посева картофеля. Для этого Зулфира обратилась в Арванд и желает получить кредит для закупа семян. Она 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
  • 217
    View loans »
    Tajikistan Loans Fundraising
  • $29,714,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Zulfira to buy seeds for planting potatoes.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 28, 2013
Jun 18, 2013
Currency Exchange Loss:
Feb 17, 2014