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Karimjon lives in a village not far from the town of Kanibadama. He is 57 years old. He is married and has three children. Karimjon works in a filling station wagon repair factory. One salary to support a family is not enough, and therefore to support the family, to pay for the children's education, and to help his elderly parents it is necessary for him also to raise livestock. And an additional source of income comes from gardening. His wife and two sons went abroad in order to support the well-being of a growing family and to care for the future.

Earlier this year, Karimjon began to build a home but was not able to finish it since he does not have at the moment enough monetary resources. Now before the arrival of his sons, he wants to build a home and for this he applied to Arvand for a loan.

With the loan received, Karimjon wants to buy construction materials and to implement his plans. He thanks Arvand in advance for the financial support.
View original language description ↓
Каримджон живет в селе неподалеку от города Канибадама. Ему 57 лет. Он женат и имеет троих детей. Каримджон работает в насосной станции вагоноремонтного завода. Одной зарплаты для содержания семьи не хватает и для того , чтобы содержать семью, оплачивать обучение детей помогать престарелым родителям ему необходимо дополнительно заниматься скотоводством. А также дополнительным источником его дохода является садоводство. Его жена и двое сыновей уехали на заработки для того , чтобы поддерживать благосостояние растущей семьи и позаботиться о будущем.
Каримчон в начале этого года начал строить дом но не смог достроить его,так как у него на тот момент не хватала денежных средств. Теперь до приезда сыновей он хочет достроить дом и для этого он обратился в Арванд за кредитом.
На полученный кредит Каримчон хочет купить строительные материалы и осуществить свои планы. Он заранее благодарит Арванд за финансовую 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
  • 195
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
A loan of $2,950 helped Karimjon to buy building materials.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 4, 2013
Dec 19, 2013
Currency Exchange Loss:
Feb 17, 2014