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Surayo is an honest and respectable woman. She lives in the Gafurov region. She is married and has two wonderful children. They have a very friendly and happy family. Several years ago, Surayo's oldest son left home to work in Russia because he could not find a job in his homeland. Every month, he tries to send his parents some money. Surayo's husband is a welder, and he makes little money. Surayo herself raises cattle. Her husband assists her with the purchase and sale of cattle. This business provides them with a good profit. Surayo's son plans to return the next year and get married. Because of this, Surayo wants to repair the home in time for his return. Right now, she does not have enough savings to do this. Surayo decided to turn to the Avrand organization and request a loan application. She wants to buy more cattle and increase her herd, and then re-sell the cattle she has fattened up in autumn and begin to repair her home. Surayo very much hopes for financial support from Avrand and wishes to make her plans a reality.
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Сураё честная и добропорядочная женщина. Живет в Гафуровском районе. Замужем и имеет двоих прекрасных детей. У них очень дружная и счастливая семья. Несколько лет назад старший сын Сурае уехал на заработки в Российскую Федерацию, так как не смог найти работу на своей родине. Он каждый месяц старается посылать родителям денежные средства. Муж Сурае является сварщиком, зарабатывает он мало. Сама Сурае занимается выращиванием скота. Ее муж помогает ей в купле продаже скота. Этот бизнес дает им хорошую прибыль.
Сын Сурае планирует вернуться в следующим году и жениться, поэтому Сурае хочет по возвращению сына отремонтировать дом. Пока накопленных денежных средств не хватает. Сурае решила обратиться в организацию Арванд и подать заявку на кредит. Она хочет купить еще скот и увеличить стадо, и осенью продав откормленных скотов начать ремонт дома. Сурае очень надеется на финансовую поддержку со стороны Арванд и в реализации своих планов.

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
  • 197
    View loans »
    Tajikistan Loans Fundraising
  • $29,692,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $2,000 helped Surayo to buy cattle.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 10, 2013
Jun 30, 2013
Currency Exchange Loss:
Jul 30, 2013