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Svetlana is a good-hearted woman with a positive outlook. She has two children, and has been divorced for a long time. Svetlana raised her children alone, with her own efforts and resources. She is always working, she never just sits around doing nothing. Svetlana has her own car, which she sometimes uses to earn a little extra money driving it as a taxi, but her primary business is in repairing and remodeling apartments and houses. However, Svetlana herself lives in a house that has needed repairs for a long time, but she doesn't have the money to do this.

Some time ago, Svelana took out a loan from MDO Arvand and started to do the repairs but she didn't finish because she didn't have enough money. Now, she would like to finish the repairs so she can live in a normal, functional house. And so, Svetlana has applied to MDO Arvand for another loan for the purchase of building materials for her home. She is hoping for a favorable decision and would like to thank in advance MDO Arvand for its support.
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Светлана добродушная и позитивная женщина. Она имеет двоих детей. С мужем она уже давно не живёт, находится в разводе. И своих детей она вырастила одна своими силами и средствами. Она постоянно работает и не сидит без дела. У Светланы имеется собственная машина, иногда она подрабатывает на этом, предоставляя услуги такси. А так в основном она занимается ремонтом квартир и домов. Но сама Светлана живёт в доме, который уже давно нуждается в ремонте, но она не может сделать у себя в доме ремонт, так как не имеет достаточно средств. Некоторое время назад Светлана получала в Арванде кредит и начала ремонт своего дома, но не закончила, так как не хватило денежных средств. Сейчас она хочет завершить работу по ремонту, чтобы жить в нормальном благоустроенном доме. Поэтому Светлана в очередной раз обратилась в Арванд и желает получить кредит на покупку строительных материалов для ремонта своего дома. Она надеется на положительный результат и заранее благодарит Арванд за 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
  • 187
    View loans »
    Tajikistan Loans Fundraising
  • $30,409,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,300 helped Svetlana to buy building materials.
Repayment Term
13 months (Additional Information)
Repayment Schedule
Oct 1, 2013
Oct 12, 2013
Currency Exchange Loss:
Nov 11, 2013