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Zilola is a friendly and positive woman. She has a husband and a few kids. She lives with her family in a small rural village. Zilola is a real master of needlework. She embroiderers national dresses. This is how she makes her living. She has worked at this activity for a long time. She has had time to study all of the details of this business and teach some students. Zilola and her family, from the beginning, have been used to fulfilling orders at a high rate. And because of this, today she has a lot of regular clients. Her spouse works in Russia. He helps her generate income for the general budget of the family. Every month he sends her money. Now Zilola wants to renovate the home in which they live, as not long ago some parts of the house came into disrepair due to frequent rains. But the money she has saved, is not enough to cover all the necessary costs of the repairs. Zilola asked Arvand because she wants to get a loan to buy building materials for repairs to her house. She thanks Arvand in advance for your support.
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Зилола доброжелательная и позитивная женщина. Она замужем и имеет несколько детей. Живёт она со своей семьёй в небольшом сельском посёлке. Зилола является настоящей мастерицей по рукоделию. Она занимается вышивкой национальной одежды. Этим самым она зарабатывает на жизнь. За всё время, когда она занимается этим видом деятельности, она успела изучить все тонкости своего дела и воспитать ряд учеников. Зилола с самого начала своей деятельности привыкла выполнять свои заказы на высшем уроне. И поэтому сегодня у неё имеется много постоянных клиентов. Супруг ее находится на заработках в России. Он также помогает ей приносить доход в общий бюджет семьи. Каждый месяц он высылает ей денежные средства. Сейчас Зилола желает отремонтировать свой дом, в котором они живут, так как некоторые части этого дома пришли в неисправное состояние из-за частых дождей. Но денежных средств, которые она накопила, не хватает на все необходимые расходы по ремонту. Поэтому Зилола обратилась в Арванд и хочет получить кредит на покупку строительных материалов для ремонта своего дома. Она 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
  • 176
    View loans »
    Tajikistan Loans Fundraising
  • $30,358,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Zilola to buy building materials.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Oct 23, 2013
Nov 11, 2013
Currency Exchange Loss:
May 17, 2014