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Musalam is a very attentive and kind woman. She is raising 3 children. Her husband works in Russia, but sends home money every month for the children. Musalam sells children's clothing, and she has a store which she leased herself at one of the markets in town. She loves children very much, and therefore decided to sell children's clothing. Earlier, she had her merchandise delivered by vendors, which was more expensive. She has now decided to go and purchase the merchandise herself. Musalam dreams that her children receive a good education and work in a professional field in the future. She hopes that, in her old age, her children can be her support. Because Musalam has decided to start traveling by herself to purchase merchandise, she needs the financial means to do so. She learned from her friends that she can request a loan from the Avrand organization, and has decided to submit an application. This is her first loan from Avrand and, because of this, she is very serious about receiving a loan. She plans to use the loan to purchase a new assortment of children's summer clothing, and expand her business.
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Мусалам очень отзывчивая и добрая женщина. Она воспитывает 3 детей. Ее муж работает в России, но каждый месяц присылает деньги для детей. Сама Мусалам торгует детской одеждой, у нее есть магазин который , она сама арендовала в одном из рынков города. Она очень любит детей поэтому решила именно торговать детской одеждой. Раньше поставщики привозили ей товар и это ей обходилась дороже, теперь она решила сама ездить за товаром.
Мусалам мечтает чтобы ее дети хорошо учились и в будущем работали по профессии. Она надеется,что в старости ее дети будут ей опорой. Так как Мусалам решила теперь сама ездить за товаром ей необходимы денежные средства. От знакомых она узнала,что в организации Арванд можно получить кредит и Мусалам решила подать заявку.
Это ее первый кредит в организации Арванд, поэтому она очень серьезно относиться к получению займа. На полученный кредит Мусалам планирует закупить новый ассортимент летней детской одежды, и расширить свой бизнес.

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
  • 103
    View loans »
    Tajikistan Loans Fundraising
  • $29,913,125
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Musalam to buy children's clothes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 19, 2013
Jun 30, 2013
Currency Exchange Loss:
Jan 17, 2014