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Zafar is an upbeat and hard-working 30-year-old man. He is married with three excellent children and they all live in a small village. It is very hard to find a well-paying job in the village, and this is why Zafar has his own business which brings him a good stable income. He raises and slaughters cows and calves. Zafar buys calves for a low price at the market, then he fattens them and sells their meat. His wife helps him in this business. To sell their meat, they have their own butcher's stall at the local market. Zafar already has a regular clientele who trust him and the quality of his meat. He uses the income he receives to feed his family, but his children are growing and their needs are increasing. For this reason, Zafar wants to expand his business so he can increase his income and fully satisfy his family's needs. Zafar has turned to Arvand for a loan to buy three calves to raise and sell. He is expecting a positive result and he thanks Arvand in advance for their support.
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Зафар позитивный и трудолюбивый мужчина в возрасте 30 лет. Он женат и имеет троих замечательных детей. Живут они вместе с семьёй в небольшом посёлке. Хорошо оплачиваемую работу в этом посёлке найти очень трудно, поэтому Зафар занимается собственным бизнесом, который приносит ему стабильный хороший доход. Он занимается разведением и убоем телят и коров. Зафар покупает телят на рынке за низкую цену, затем откармливает их и потом продаёт полученное мясо. В этом бизнесе ему помогает его жена. Для продажи мяса у них имеется собственный мясной ларёк на местном рынке. Зафар имеет уже постоянных клиентов, которые ему доверяют в качестве мяса. Доход, который он получает расходуется на пропитание семьи. Но дети Зафара растут и их потребности увеличиваются. Поэтому Зафар хочет расширить свой бизнес, чтобы получать больше дохода и полностью удовлетворять нужды своей семьи. Сейчас Зафар обратился в Арванд и хочет получить кредит, чтобы купить трёх телят для дальнейшего откармливания и продажи. Он надеется на положительный результат и заранее благодарит Арванд за 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
  • 156
    View loans »
    Tajikistan Loans Fundraising
  • $29,643,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,600 helped Zafar to buy cattle.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 15, 2013
Jul 21, 2013
Currency Exchange Loss:
Dec 17, 2013