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Sherafkan is a positive and a responsible man. He is married and has a child. He lives with his family in a small village. For now, they have to live in their parents' home. Sherafkan wants, very much, to build a house for his own family. Sherafkan's wife is a hardworking homemaker and a caring mother. Sherafkan works as a carpenter. This job provides a good income, however, it is not enough to cover extra expenses, such as building a new house. This income is only enough to pay for the food expenses.

With the help of his brothers, who work in Russia, Sherafkan was able to purchase a plot of land. Now, he needs the financial means to buy all of the necessary building materials to build a house. This is the reason why Sherafkan applied to Arvand for a loan to purchase building materials. Sherafkan is hoping for a successful outcome and thanks Arvand, in advance, for their support.
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Шерафхан позитивный и ответственный мужчина. Он женат и имеет одного ребёнка. Он живёт со своей семьёй в небольшом посёлке. Но пока им приходится жить в родительском доме. Но Шерафхан очень хочет построить для своей семьи свой собственный дом, чтобы жить там и растить своих детей. Жена Шерафхана домохозяйка, она очень трудолюбивая и заботливая мама. Сам Шерафхан работает плотником. От этого дела он получает хороший доход, но его недостаточно, чтобы позволить себе другие расходы, например строительство нового дома. Этого дохода хватает лишь только на пропитание. С помощью своих братьев, которые работают в России, Шерафхан смог купить себе земельный участок, и теперь ему необходимы денежные средства, чтобы закупить все необходимые материалы для строительства дома. Поэтому Шерафхан обратился в Арванд и хочет получить кредит на покупку строительных материалов для построения дома. Шерафхан 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Tajikistan

  • $2,700
    Average annual income
  • 190
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
A loan of $1,050 helped Sherafkan to buy construction materials to build his house.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 2, 2013
Oct 21, 2013
Currency Exchange Loss:
Nov 20, 2013