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Davlat is a happy young, 22 year-old man. Davlat is not yet married and lives together with his parents and a brother. After graduating from school, Davlat could not go to a university to obtain a higher education due to the family's financial problems. This is why he has to be involved in a small business to earn a living. His parents do not work because of their health, and the oldest brother helps Davlat to run the business. They have been involved in selling accessories for women's clothing for three years. Davlat brings the merchandise from the capital and sells it at a local market. He already has regular customers since women love these types of things. Davlat has a good, regular income from this business. Currently, he wants to expand the selection of his merchandise and needs to travel to the capital to buy more accessories. This is why Davlat came to Arvand and wants to obtain a loan to buy clothing accessories. He thanks Arvand for the financial support in advance.
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Давлат жизнерадостный парень в возрасте 22 лет. Давлат пока ещё не женат, он живёт вместе со своими родителями и братом. Давлат после окончания школы в связи с финансовыми проблемами в семье не смог поступить в университет, чтобы получить высшее образование. Поэтому он вынужден заниматься малым бизнесом, чтобы зарабатывать на проживание. Его родители не работают по состоянию здоровья, старший брат помогает Давлату в ведении его бизнеса. Они вот уже как три года занимаются торговлей аксессуаров для женской одежды. Давлат привозит свои товары из столицы и продаёт на местном рынке. У него уже имеются постоянные клиенты, женщины очень любят вещи такого рода. От этого бизнеса Давлат имеет хороший постоянный доход. Сейчас он хочет расширить ассортимент своего товара, ему необходимо поехать в столицу и закупить ещё больше аксессуаров. Поэтому Давлат обратился в Арванд и хочет получить кредит на покупку аксессуаров для одежды. Он 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
  • 117
    View loans »
    Tajikistan Loans Fundraising
  • $29,875,725
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
A loan of $2,100 helped Davlat to buy clothing accessories.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 19, 2013
Sep 30, 2013
Currency Exchange Loss:
Oct 30, 2013