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Gulnoza is an active young woman. She is 31 years old, married and has three children. Gulnoza's husband, Buned, recently went to Russia for work. Previously, he was involved in feeding and selling livestock. Gulnoza is a young woman with a lot of imagination. She is very handy. Since school she was interested in sewing and embroidered various scarves and dresses. She continues this work to this day. Concurrently, Gulnoza manages a store. She opened a children's clothing and perfume store in her village. Today, her business is growing well and the village residents are gradually getting used to her and her store. Gulnoza wants to increase the volume of her merchandise and to vary the selection of clothing. She needs money for this. This is why she requested a loan from the Arvand organization. According to Gulnoza's friends, she is a very responsible and punctual person, and Arvand certainly approves of such clients and will support Gulnoza.
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Гулноза девушка активная. Ей 31 год. Замужем. У нее трое детишек. Муж Гулнозы Бунед не давно уехал в Россию на заработки. Раньше он занимался откормом скота и перепродавал их. Сама Гулноза девушка с большой фантазией. Мастер на все руки. Со школы она увлекалась шитьем,вышивала разные платки и платья. И до сих пор продолжает свой труд.
Гулноза также параллельно управляет магазином. Она у себя в селе открыла магазин детской одежды и парфюмерии. На сегодняшней день её бизнес развивается хорошо, сельские местности постепенно привыкают к ней к её магазину. Гулноза хотела бы увеличить объем товара и разнообразить свой ассортимент одежды. Для этого ей нужны денежные средства. Поэтому она за кредитом обратилась в организацию Арванд. По словам знакомых Гулнозы, она очень ответственный и пунктуальный человек и " Арванд" конечно же приветствует таких клиентов и поддержит Гулнозу.

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
  • 122
    View loans »
    Tajikistan Loans Fundraising
  • $29,861,275
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,100 helped Gulnoza to increase the volume of her merchandise and to vary the selection of clothing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 27, 2013
Oct 4, 2013
Currency Exchange Loss:
Oct 17, 2014