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Guldasta is a cheerful woman who is 49 years old and married with three children. Her husband has been a migrant worker in the Russian Federation for a few years now. He is a builder and earns a good income there. Every month he sends money to his wife for living expenses, but it is not enough to meet all of her family's needs, so Guldasta had to start her own business to support the family budget. Guldasta sells household goods and she has been in this line of work for eight years. Since 2009, she has worked with Arvand, receiving loans to help her run her business. At the moment, she rents a shop near her home. Her assortment of goods includes a large collection of household and gift items, souvenir knives, watches and musical instruments, as well as skillets, pots and other goods. Guldasta reinvests the main part of her income back into her business to increase her assortment of goods. She buys her goods from wholesale suppliers in China and then resells them to the locals at her shop. She wants to receive a loan to she can expand her range of goods and increase turnover. She has turned to Arvand so she can receive a loan to buy household goods. Guldasta sends her thanks to Arvand for their financial support.
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Гулдаста жизнерадостная женщина в возрасте 49 лет. Она замужем и имеет троих детей. Супруг Гулдасты уже несколько лет находится на заработках в России. Там он работает строителем и получает хороший доход. Каждый месяц он присылает деньги своей жене на проживание. Но этих денег не хватает на удовлетворение всех потребностей семьи, поэтому Гулдаста вынуждена заниматься своим бизнесом, чтобы поддерживать семейный бюджет. Гулдаста занимается реализацией хозяйственных товаров. Опыт в этой сфере у неё 8 лет. С 2009 года она сотрудничает с Арванд, получает кредит для реализации своего бизнеса. На данный момент она арендует магазин вблизи своего дома. В ассортименте её продаж большое количество хозяйственных и подарочных наборов, подарочные ножи, часы, музыкальные инструменты, а также кастрюли, казаны и прочие. Большую часть своей выручки Гулдаста пускает в оборот, увеличивая ассортимент товаров. Свой товар она закупает у поставщиков из Китая и на оптовом рынке и потом продаёт в своём магазине для местного населения. С целью расширения ассортимента и оборота своего бизнеса Гулдаста хочет получить кредит. Для этого она обратилась в Арванд и желает получить кредит для покупки хозяйственных товаров. Гулдаста выражает свою благодарность Арванд за финансовую 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
  • 211
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $3,000 helped Guldasta to purchase goods for her shop.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 30, 2013
Jul 1, 2013
Currency Exchange Loss:
Jul 31, 2013