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Zarrina is 39 years old and married. Her husband comes from a family of bakers and bakes lepeshka, a traditional bread. Zarrin helps her husband bake and sell traditional breads. However, their current income isn't sufficient for the family to achieve its highest goal of providing their children with a higher education. They have three children and want to give each child a good education in the future. Zarrin has worked with MDO Arvand for over four years and is grateful for the loans that have helped the family develop their business and move closer to achieving their goals.

Once again Zarrina asked Arvand for a loan. This time she wants to buy a few bags of flour and supplies to bake lepeshka. Zarrina thanks Arvand in advance for the help and support.
View original language description ↓
Заррине 39 лет, она замужем. Муж Заррины потомственный пекарь. Он печет национальные лепешки. Вместе с мужем Заррина занимается коммерческой деятельностью . Она помогает мужу выпекать и реализовывать национальные хлебные изделия. Несмотря на это фонд заработной платы их семьи недостаточен для достижение более высоких целей поставленных их семьей т.е. предоставления детям образования на более высоком уровне. У них трое детей. Каждому из детей они хотят дать достойное образование в будущем . Заррина сотрудничает с МДО «Арванд» на протяжении более четырёх лет . Она благодарна МДО так как с помощью займов предоставленных для развития их бизнеса семья продвигается все ближе к своим целям.
В очередной раз Заррина обратилась в Арванд за кредитом. На полученный кредит она хочет купить несколько мешков муки и продукты для выпечки лепешек. Заррина заранее благодарит Арванд за помощь и 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
  • 103
    View loans »
    Tajikistan Loans Fundraising
  • $29,901,400
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,025 helped Zarrina to buy flour and baking supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 15, 2013
Nov 26, 2013
Currency Exchange Loss:
Sep 17, 2014