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Malohat is a cheerful and active women, and she has four children. She married very early, and therefore could not continue her education after finishing secondary school. Thus, she does not have a higher education. Because Malohat and her family live in a rural area, she could only find work in agriculture, and she has been working for 10 years in this field. Not long ago she began working with Arvand, the first time receiving a loan for consumer needs. Because her house has fallen into a state of disrepair, Malohat now hopes to make repairs to her house. The money she has saved from her salary is not enough to pay for the repairs, so she needs additional sources of funds. For this reason, she turned once again to Arvand and hopes to receive a loan to purchase building materials to repair her home. Malohat thanks Arvand in advance for its support.
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Малохат жизнерадостная и активная женщина, у неё имеется четверо детей. Она вышла замуж очень рано, и поэтому не смогла продолжить обучение после окончания средней школы. Поэтому она имеет среднее образование. Так как Малохат со своей семьёй живут в сельской местности, она смогла найти работу только в сельском хозяйстве. И вот уже как 10 лет она работает сельхоз работницей. С недавних пор она стала сотрудничать с Арванд, первый раз получив кредит на потребительские нужды. Сейчас Малохат хочет сделать капитальный ремонт своего дома, потому что дом пришёл в негодное состояние. И для этого ей необходимы денежные средства, а того, что она смогла накопить от своих доходов недостаточно. Поэтому она в очередной раз обратилась в Арванд и хочет получить кредит на покупку строительных материалов для ремонта своего дома. Малохат 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
  • 188
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,600 helped Malohat to buy building materials.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 6, 2013
Dec 23, 2013
Currency Exchange Loss:
Oct 17, 2014