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Dilafruz is a 34-year-old married young woman. She is very kind and gregarious. Dilafruz a mother of a large family - she has four children. Dilafruz has a close-knit family. Dilafruz's husband, Sanjar, works in a warehouse. Additionally, Sanjar leaves to work abroad in Russia seasonally. Sanjar works as a construction workers there. Dilafruz is in the baking business. She makes delicious Uzbek-style lepyoshki (Central Asian bread) for order. More commonly, Dilafruz distributes baked lepyoshki to customers at the market. They buy lepyoshki for a good price. This business gives her a good income.

Dilafruz has long dreamt of renovating her house. She and her husband have been saving money to make repairs for a long time. However, the set aside money is unfortunately not enough to repair their home. This is why Dilafruz turned to Arvand for a loan. She decided not to put aside more for the renovation as long as building materials were not rising in cost. Dilafruz would like to buy several materials. Dilafruz and her husband dream that their children will be able to live in abundance and in a beautiful, cozy home with all the amenities. She really relies on this support from Arvand.
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Дилафруз молодая женщина в возрасте 34 лет. Она очень добрая и общительная. Замужем. Дилафруз многодетная мать, она имеет четверых детей. У Дилафруз дружная семья. Муж Дилафруз Санжар разнорабочий, он работает на базе. Дополнительно по сезону Санжар уезжает в Россию на заработки. Санжар там работает на стройке. Сама Дилафруз занимается выпечкой. Она изготавливает вкусные узбекские лепешки на заказ. Чаще Дилафруз изготовленные лепешки раздает заказчикам с рынка, они покупают лепешки по оптовой цене.Это дело ей дает хороший доход.

Дилафруз давно мечтала отремонтировать свой дом. Они с мужем долгое время откладывали деньги на ремонт. Но отложенные деньги , к сожалению не хватает для ремонта дома. Поэтому Дилафруз обратилась в Арванд за кредитом. Она решила не откладывать с ремонтом, пока на строительные материалы не поднялись цены Дилафруз хотела бы прикупить некоторые материалы. Дилафруз с мужем мечтают, чтоб их дети жили в достатке и в красивых уютных домах со всеми удобствами. Она очень надеется на поддержку от Арванд.

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
  • 187
    View loans »
    Tajikistan Loans Fundraising
  • $30,382,675
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Dilafruz to buy building materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 19, 2014
Mar 31, 2014
Currency Exchange Loss:
Apr 18, 2015