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Guzal is a sociable woman. She's 27 years old, she's married and has children. She lives with her ​​husband and children in the village in Spitamen region. She loves her region, because there grow the most beneficial and tasty fruits that are rich in good vitamins. These ripe and juicy fruits can be traded on the market. This activity is quite popular in the area where Guzal lives .
Guzal also sells fruit. She started this business activity recently when her husband left for work in Russia and began sending Guzal money. Guzal was economical with the money, and was saving little by little . After having accumulated the necessary amount she started selling fruit in the market. Things are going well Guzal and she decided to expand her business .
With the coming holiday months, Guzal wants to increase her inventory and assortment by including a mix of tropical fruits. To obtain a loan Guzal applied to MDO "Arvand ". She is hopeful that she will get help and financial support.

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
  • 198
    View loans »
    Tajikistan Loans Fundraising
  • $29,677,950
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Guzal to buy an inventory of tropical fruits for holiday season.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 21, 2013
Dec 5, 2013
Currency Exchange Loss:
Aug 17, 2014