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Zuhro is a positive and cheerful woman, age 30. She is married and has three children. After finishing high school, she did not continue her education since her parents immediately married her off. Since that time, she has worked in the home, caring for her husband and children. However, to provide an income for her family, both she and her husband run a small business. Zuhro works at a market and sells food goods. She is consistently developing her business and now has her own stall to sell from as well as space to expand her inventory. Her husband works as a farmer. Together, they bring home a good income which is enough to provide for the family. However, Zuhro and her husband dream of building their own home where they will live with their children and their children's families. Now, they live in a small little home that doesn't provide very favorable conditions. Therefore, Zuhro has begun purchasing building materials for their home. Now, she wants to take out a loan through Arvand to buy more construction materials. She relies on the support which will allow her to improve the quality of life for her family.
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Зухро позитивная и жизнерадостная женщина в возрасте 30 лет. Она замужем и имеет троих детей. После окончания сельской школы, Зухро не продолжила своё обучение, так как родители сразу выдали её замуж. С тех пор Зухро занимается домашним хозяйством, ухаживает за мужем и растит детей. Но для того, чтобы иметь доход в семье, они оба занимаются маленьким бизнесом. Зухро работает на рынке, занимается торговлей продуктов питания. Постепенно она расширяет свой бизнес, на сегодня она уже имеет свой ларёк для продажи продуктов, а также расширяет их ассортимент. Её муж работает дехканом. Они вместе получают хороший доход, которого хватает на пропитание. Но Зухро и её муж мечтают о собственном большом и просторном доме, где будут жить их дети со своими семьями. Сейчас они ютятся в маленьком домике с не очень благоприятными условиями для проживания. Поэтому Зухро начинает закупать и заготавливать материалы для строительства дома. И сейчас она хочет взять кредит в Арванд для того, чтобы закупить строительные материалы для строительства дома. Она надеется на поддержку, в следствии чего улучшится качество жизни её семьи.

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
  • 209
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Zuhro to buy building materials.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 4, 2013
Jun 28, 2013
Currency Exchange Loss:
Dec 17, 2014