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Mayram is 57 years old. She is married with children and with wonderful grandchildren. Mayram is a very conscientious and responsible woman. When she was young, she was unable to study because of her family's financial problems. Her family works in animal husbandry and and she has spent her entire life fattening cattle; she helped her parents when she was a child. Mayram is very sorry that she was unable to get an education and had to work cattle, so her dream is that her grandchildren will be able to learn a profession. Mayram works day and night to achieve this goal.

Raising animals is the family's only source of income. Also Mayram's milk cow produces ten liters of milk every day, and she makes dairy products. Her neighbors buy her milk, yogurt and curds. Her husband buys and sells cattle. He goes to the cattle market every month to buy and sell. Thus they live and save money for educating their grandchildren. Mayram has been an active client of Arvand for several years and has a good credit history. She is grateful that Arvand comes to help her family and, if necessary, offers them loans. This cooperation helps her family live and provide decent living conditions for their children and grandchildren. Mayram once again approached Arvand and wants to take out a loan to buy cattle and increase their herd. Mayram has high hopes for financial support.
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Майрам 57 лет. Она замужем, имеет детей и замечательных внуков. Майрам очень добросовестная и ответственная женщина. Она по молодости не смогла учится из-за финансовых проблем семьи. Ее семья все жизнь занималась животноводством и с самого детства Майрам помогала своим родителям откармливать скот. Майрам очень жалеет, что в молодости не училась и не получила образование и ей приходится заниматься только скотоводством, поэтому она мечтает чтобы ее внуки учились и в будущем работали по профессии. Майрам трудится день и ночь чтобы достичь своей цели.
Скотоводство является единственным источником дохода семьи. Также Майрам каждый день доит корову по 10литров молока и производит кисломолочные продукты. Ее соседи покупают у нее молоко,кефир и кисломолочные шарики. Ее муж занимается купле продажей скота, он каждый месяц выводит скотов на скотный базар и перепродает. Таким образом они живут и копят деньги на образование внуков. Майрам на протяжении нескольких лет является активным клиентом «Арванд» и имеет хорошую кредитную историю. Она благодарна что «Арванд» приходит на помощь ее семье и при необходимости предоставляет займы. Это сотрудничество помогает ее семье жить создавать хорошие жизненные условия для детей и внуков. Майрам в очередной раз обратилась в Арванд и хочет взять кредит и купить скот и увеличить поголовье скота. Майрам очень надеется на 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 Tajikistan

  • $2,700
    Average annual income
  • 106
    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 $1,875 helped Mayram buy cattle.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 17, 2014
Feb 18, 2014
Currency Exchange Loss:
Aug 17, 2015