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Мusallam is a 50-year-old woman. She is a very energetic, economical and intelligent woman. Мusallam is a married mother of three children.

Мusallam has a lot of experience in the area of trade since she has been involved in this work for ten years. She sells fabric for sewing women's clothing. Мusallam's wife makes a living as a taxi driver, and also works at a private group farm. At the beginning, Мusallam was engaged in petty trade and it was difficult for her, but she it a very strong woman and is always pressing forward despite the odds.

Мusallam and her husband overcome difficulties together. They built a house to improve living conditions and have equipped their children.

Мusallam is a young grandmother. She very much loves to spend time with her grandchildren.

For five years, Мusallam has been borrowing from the organization Arvand. At the moment she needs to expand her business and to purchase fabrics, so she has once again requested a loan from Arvand. Мusallam hopes for the support and thanks Arvand in advance.
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Мусаллам женщина 50 лет. Она очень энергичная, хозяйственная и умная женщина. Мусаллам замужем мать 3 детей. У Мусаллам большой опыт в сфере торговли так как она занимается этим вот уже 10 лет. Она продает ткани для пошива женской одежды. Муж Мусаллам подрабатывает таксистом, а также занимается дехканским хозяйством. По началу Мусаллам занималась мелкой торговлей и ей было очень трудно, но она очень сильная женщина и всегда стремится вперёд несмотря на все трудности. Мусаллам и её муж вместе преодолевают трудности. Они построили дом улучшили условия жизни и обустроили своих детей. Мусаллам молодая бабушка, она очень любит проводить время со своими внуками. Мусаллам вот уже 5 лет кредитируется в организации Арванд. На данный момент ей нужно расширить свой бизнес и закупить ткани, поэтому она в очередной раз обратилась за кредитом в Арванд. Мусаллам надеется на поддержку и заранее благодарит организацию Арванд.

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
  • 108
    View loans »
    Tajikistan Loans Fundraising
  • $29,894,325
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,100 helped Мusallam to buy fabrics.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 10, 2013
Aug 2, 2013
Currency Exchange Loss:
Aug 17, 2014