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Muhamadi is a cheerful 53 year old man. He is married and has two married daughters. Muhamadi and his wife live in a rural area. In order to have an income to support them, he has his own business. Muhamadi has a great deal of experience in the field of fattening cattle, as well as in farming.

The main source of their income is from fattening and selling cattle. His wife helps him with the business. During the day, she does farm labor, and in the mornings and evenings she takes care of the cattle and milks the cows. Every day each of their cows gives 20 liters of milk, which his wife sells to people living in the area. Along with fattening cattle, Muhamadi farms and sells his harvests. He has 3 ha of land on which he farms and this brings in a nice additional income.

At present, Muhamadi want to increase the size of his herd in order to earn more profits. He is planning to have a celebration for his grandson, but he does not have enough money saved up. Muhamadi has applied to MDO Arvand, LLC for a loan to buy cattle in the hopes that he will be able to pay for the celebration with the profits.
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Мухамади жизнерадостный мужчина в возрасте 53 лет. Он женат и имеет двоих дочерей, которые живут со своими мужьями. Мухамади вместе с женой живет в сельской местности. Для того , чтобы иметь доход на проживание, он занимается собственным бизнесом. Мухамади имеет большой опыт в сфере откармливания крупно рогатого скота, а также в сфере выращивания сельскохозяйственной культуры. Основной доход он получает от откармливания и продажи скота. Жена помогает ему в этом деле. Днем она работает в дехканском хозяйстве, а вечером и утром ухаживает за скотом и доит коров. Каждый день коровы дают по 20 литров молока, затем жена продает это молоко местному населению. А Мухамади, параллельно с животноводством, выращивает сельскохозяйственной культуру, и также продаёт полученный урожай. Для выращивания сельскохозяйственной культуры Мухамади имеет земельный участок площадью 3 га. Это дело приносит ему хороший дополнительный заработок. Сейчас Мухамади хочет увеличить поголовье своего скота для получения большей прибыли. Он планирует провести мероприятие в честь внука, но накопленных средств не хватает. Мухамади обратился в организацию Арванд для получения кредита, он на полученный кредит купит скот и надеется на полученную прибыль осуществить свои планы.

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
  • 231
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $2,500 helped Muhamadi to buy cattle.
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 31, 2013
Jun 23, 2013
Currency Exchange Loss:
Jul 23, 2013