Update on MukaddasMukaddas is a 36-year-old woman and the married mother of three children. Mukaddas is a young woman with a great imagination. Since childhood, she has been fond of sewing. After graduation, Mukaddas enrolled in the pedagogical institute. After graduating from the institute, she began to work as a high school teacher of Tajik language and still works there. Mukaddas has earned respect among her colleagues.
Mukaddas earns additional income from sewing national dresses. Mukaddas gets the job done accurately and promptly and therefore has many customers. Mukaddas' husband works in the Russian Federation and sends her money monthly. Since 2009, Mukaddas has been borrowing from the organization Arvand. Over the years she has been receiving loans, she has been able to meet the needs of the household.
Mukaddas started building her own home, but at the moment she does not have enough money and therefore she applied for a loan from Arvand. With the loan received, Mukaddas plans to purchase construction materials for building a home. Mukaddas does not doubt the support of the organization as Arvand has been for her a reliable partner.
Previous Loan DetailsMukaddas is 35 years old, married to Golibjon and raising three children. She is a teacher at a general education school. She is very well loved and respected at the school. She also has a second profession - she is a good seamstress and has many students and regular clients. In search of a… More from Mukaddas's previous loan »
About MDO ArvandMDO 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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