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Bunafsha is a young and optimistic 27 year old woman. She is married and has two children. She lives in a small, rural town. From childhood, Bunafsha dreamed of becoming a teacher and after graduating from high school, she attended teacher's college and continued her education. She currently works as a Russian language teacher at a local school. Bunafsha's husband works as a lawyer. He also studied his profession at university and successfully completed his education, receiving a college degree.

Bunafsha and her husband strive to do all that they can to provide their children with everything they need. Their combined earnings are enough for an average household. However, until now, they have insufficient funds to cover all of their existing needs. Currently, Bunafsha and her husband want to buy a car. They have dreamt of it for some time now, as having a car would make getting around much easier for them. In order to buy a car, Bunasha needs a large sum of money. For this reason, she approached Arvand to take out a loan to buy a car. She thanks Arvand in advance for their support, which will improve the quality of her family's life.
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Бунафша молодая и позитивная девушка в возрасте 27 лет. Она замужем и имеет двух детей. Живёт она в небольшом сельском городке. С детства Бунафша мечтала стать учительницей и после окончание школы она поступила в Педагогическое училище и продолжила обучение. В данный момент она работает учительницей русского языка в местной школе. Муж Бунафши работает юристом. Он тоже учился в университете на эту профессию и успешно закончил обучение, получив диплом о высшем образовании. Бунафша вместе с мужем стараются делать всё возможное, чтобы обеспечивать своих детей всем необходимым. Их совместного дохода хватает на проживание среднего уровня. И пока у них недостаточно средств, чтобы покрывать все имеющиеся нужды. В данный момент Бунафша с мужем хотят купить машину. Они мечтали об этом уже давно, имея машину облегчится их передвижение. Для того, чтобы купить машину, Бунафше необходима большая сумма денежных средств. Поэтому она обратилась в Арванд и хочет взять кредит на покупку машины. Она заранее благодарит Арванд за поддержку, в следствие которой 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
  • 110
    View loans »
    Tajikistan Loans Fundraising
  • $29,894,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,300 helped Bunafsha to buy a car.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 11, 2013
Jul 23, 2013
Currency Exchange Loss:
Aug 17, 2014