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Muhtarama is a cheerful and hardworking woman of the age of 47 years. She was married, but now she is divorced. It was a heavy blow for her. Muhtarama has four children, and despite being divorced and having to raise the children herself, she never lost heart and continued onward.

Of course it was very hard for her to raise and support her children, but she has striven for them to always be fed and clothed. In turn, her children have been very grateful to their mother, so they are very caring and always try to support her in everything.

In order to earn money for living costs, Muhtarama has set up a business. She works with selling seasonal clothing. She has managed this business for more than 13 years. She purchases goods at the wholesale market and brings them to her village to sell. This business gives her a good income.

Muhtarama would like to increase the income received, and therefore she needs to expand the business. As it is currently the season for selling school clothing, Muhtarama would like to purchase more goods and expand her business. She turned to "Arvand" for a loan in order to purchase clothing to sell. She hopes for a positive result and thanks "Arvand" in advance for the financial support.
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Мухтарама жизнерадостная и трудолюбивая женщина в возрасте 47 лет. Она была замужем, но сейчас разведена. Это было тяжёлым ударом для неё. Мухтарама имеет 4 детей. И несмотря на то, что она разведена и ей пришлось самой растить своих детей, она никогда не падает духом и идёт вперёд. Конечно, ей было очень трудно одной воспитывать и обеспечивать детей, но она старалась, чтобы её дети всегда были сыты и одеты. Дети это смысл её жизни. В свою очередь её дети очень благодарны своей маме, они очень заботливые и всегда поддерживают её во всем. Чтобы зарабатывать деньги на проживание она занимается своим бизнесом. Мухтарама занимается продажей сезонной одежды. Этот бизнес она ведёт уже более 13 лет. Она закупает товар на оптовым рынке в городе и привозит их для продажи в свой поселок. Этот бизнес приносит ей хороший доход. Но она желает увеличить получаемую прибыль, поэтому ей необходимо расширить свой бизнес. Так как сейчас сезон для продажи школьной одежды, Мухтарама хочет закупить побольше товара и расширить свой бизнес. Она обратилась в Арванд и хочет получить кредит, чтобы закупить одежду для реализации. Она надеется на положительный результат и заранее благодарит 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
  • 115
    View loans »
    Tajikistan Loans Fundraising
  • $29,875,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Muhtarama to purchase clothing to sell, as it is the season for selling school clothing.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jul 31, 2013
Aug 8, 2013
Currency Exchange Loss:
Apr 16, 2014