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Odiljon is a 34-year-old man. He is married and has three beautiful children. Odiljon and his family live very peaceably. His wife, Malokhat, is a housewife raising the children. As the head of the family, Odiljon tries to support them. Odiljon has a higher education but, unfortunately, right now he cannot find work in his profession. Because his salary is small, but he must finish his house and install windows and doors, Odiljon is doing the construction himself. He and his team set the roof, and plastered the walls. Additionally, he still works at the train station as a porter. Odiljon dreams of finishing his home soon so that his wife and children can live in a new, warm house with all amenities. Odiljon saved money all winter for the construction, but his savings are not enough to cover the installation of plastic windows and doors. Because of this financial problem, Odiljon appealed to MDO Arvand. He decided to take out a loan. Odiljon has high hopes for support, and has expressed his profound gratitude towards Arvand. In conclusion, Odiljon would like to say, "Thanks to organizations such as MDO Arvand, the population of Tajikistan is improving the quality of life. On receiving these loans, people meet their needs and solve their problems!"
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Одилчон мужчина в возрасте 34 лет. Женат. Имеет троих прекрасных детей. Одилчон со своей семьей живут очень дружно. Его жена Малохат домохозяйка, занимается воспитанием детей. Одилчон как глава семьи старается сам обеспечивать семью. Одилчон имеет высшее образование но, к сожалению, он в данное время по своей специальности работать не может. Потому что зарплаты маленькие, а ему нужно в достроенный свой дом, установить окна и двери. Одилчон сам занимается ремонтом домов. Он со своей бригадой устанавливают крыши, штукатурит стены. Кроме этого он еще работает в железнодорожной станции грузчиком. Одилчон мечтает по скорее достроить свой дом, чтобы его жена и дети жили в новом, теплом доме со всеми удобствами. Одилжон всю зиму откладывал деньги на ремонт, но ему своих накопленных денег не хватает для установки пластиковых окон и дверей. С такой финансовой проблемой Одилчон обратился в МДО Арванд, он решил взять деньги в кредит. Одилчон очень надеется на поддержку Арванд и выражает свою глубокую благодарность. Одилчон в конце хотел бы отметить " Благодаря таким организациям как МДО Арванд, жизнь населения Таджикистана улучшается в лучшую сторону. Получив кредит, народ удовлетворяют свои потребности и решают свои проблемы"!

Additional Information

More information about this loan

This loan is part of MDO Arvand's pilot green loan program, which is designed to help clients in rural areas finance construction and installation of energy-generating and energy-saving equipment. The goal of this loan program, which is primarily funded through Kiva, is to increase use of renewable energy and reduce harmful emissions to the atmosphere. 

Power outages and electricity shortages are very common in rural Tajikistan, especially in fall and winter, when electricity is only available 3-4 hours per day. Based on client needs, MDO Arvand developed a green loan product to address the shortages and preserve the warmth in peoples’ house. By funding this loan, your are helping borrowers gain access to power through solar panel kits, as well as other products that improve heating and ventilation while reducing pollution.

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
  • 103
    View loans »
    Tajikistan Loans Fundraising
  • $29,901,400
    Funds lent in using Kiva
  • 4.9
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,050 helped Odiljon to install plastic windows and doors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 21, 2014
Jun 11, 2014
Currency Exchange Loss:
Mar 17, 2015