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Hafizullo is a good natured 32 year old man. He is married and has two children. He and his wife are happy together - he loves her and their children very much. Hafizullo has a military university education, and he works as an officer in a military unit. He earns a good stable income. Hafizullo is a good and responsible man. His wife does not work, as she stays home to care for their children, and always has a lot to do since they live in a rural area. Since they live a bit far from the city, transportation is often difficult for Hafizullo. He has long wanted to buy his own car, but he hasn't yet been able to accumulate enough money. The salary he earns from his work mostly goes toward feeding the family, so it is hard to save money to buy consumer goods and more expensive items. Hafizullo decided to take out a loan for consumer goods. He came to Arvand and is requesting a loan to buy a car. Having his own car will make transportation much easier. Hafizullo is thankful to Arvand for the financial support.
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Хафизулло добродушный мужчина в возрасте 32 лет. Он женат и имеет двоих детей. Живёт он со своей супругой счастливо, он очень любит её и своих детей. Хафизулло имеет высшее военное образование, работает офицером в военной части. Получает хорошую стабильную заработную плату. Хафизулло очень добрый и ответственный человек. Жена Хафизуло нигде не работает, она постоянно находится дома и заботится о своих детях, у неё много дел по дому, так как они живут в сельской местности. Так как они живут немного далеко от города, у Хафизуло возникает трудность с перемещением. Он уже давно хочет купить собственную машину, но ему так и не удалось по сей день накопить необходимой суммы денег для покупка машины. Зарплата, которую он получает на своей работе, в основном расходуется на пропитание своей семьи, но для удовлетворения своих потребительских нужд и покупки более дорогостоящих товаров ему трудно накопить денег. Тогда Хафизулло решился взять кредит для удовлетворения потребительских нужд. Он обратился в Арванд и желает получить кредит для покупки машины. Наличие собственной машины намного облегчит его передвижение. Хафизулло выражает благодарность 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
  • 205
    View loans »
    Tajikistan Loans Fundraising
  • $29,704,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,600 helped Hafizullo to buy a car.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 26, 2013
Aug 25, 2013
Currency Exchange Loss:
Sep 24, 2013