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Lutfiniso is a kind and sociable woman. She is 39 years old and she is married with three children, who all grew up helping their mother. Her eldest son is a migrant worker in Russia and he sends money home to help his parents. Lutfiniso's husband, Ofir, works in the center of their region as a taxi driver and in the summer he works as a plasterer. Lutfiniso herself works in the market selling industrial goods. She has many clients today, but she once started with none. Thanks to the organization "Arvand," she has been able to expand her business. This is Lutfiniso's third time working with Arvand, borrowing money for her business. She has once again asked for a loan, and on receiving the funds will get her goods from another city. Lutfiniso is very grateful to Arvand for their support and confidence.
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Лутфинисо добрая, общительная женщина. Ей 39 лет. Замужем. Имеет троих детей. Дети уже взрослые мамины помощники. Старший сын Лутфинисо уехал в Россию на заработки, чтобы материально помочь родителям. Муж Лутфинисо Ориф работает в центре района таксистом,а летом подрабатывает штукатуром. Сама Лутфинисо торгует на рынке. Она продает промышленные товары . На сегодняшней день у нее очень много клиентов,а когда то Луфтинисо все начинала с нуля.
Благодаря организации МДО "Арванд" она расширила свой бизнес. Вот уже третий год подряд она сотрудничает с организацией, берет деньги в кредит для товарооборота. Лутфинисо в очередной раз подала заявку на кредит, на полученные деньги она с другого города привезет товары. Луфтинисо очень благодарна МДО "Арванд" за оказанную поддержку и за доверия!

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
  • 149
    View loans »
    Tajikistan Loans Fundraising
  • $29,656,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Lutfiniso to buy industrial goods.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 18, 2013
Dec 24, 2013
Currency Exchange Loss:
Jul 17, 2014