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Bishafoat is a wonderful wife and the loving mother of two children. She has higher education. After finishing university, she worked in the field she specialized in for several years, but for family reasons she switched to having her own business. She opened a small business with a low turnover. She expanded her business stepwise, and her small "market" turned into a proper store.

Bishafoat has fifteen years of experience from working in retail. Every year she offered more branded products to the customers in her smal store. Due to seasonality, all her money is bound up in her products. She only has a little bit of money on her hands, and they go to different living costs.

Bishafoat decided to freshen up her apartment and renovate the bathroom. All the old pipes have long been rusty and dripping. She needs to repair and change the pipes, but she does not have sufficient money for this. Therefore she turned to "MDO Arvand" for help. She hopes for support and thanks everyone sincerely.
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Бишафоат прекрасная жена и любящая мама двоих детей. У нее высшее образование. После окончание университета проработала по своей специальности несколько лет, но по семейным обстоятельствам перешла на частную деятельность. Открыла свой маленький бизнес с малым оборотом денежных средств. Постепенно расширила свою деятельность и ее «базарчик» превратился в «магазинчик». У Бишафоат пятнадцатилетний опыт работы в сфере тарговли. С каждым годом ее маленький магазин предлагал все большое наименование продуктов для своих клиентов. И в связи с сезонностью все ее денежные средства заняты в ее продуктах. На руках имеет только немного денег, которые бережет на всякий жизненный случай. Бишафоат собирается освежить свою квартиру и сделать ремонт в ванной комнате. Все старые трубы давно уже ржавели и капают. Ей необходимо сделать ремонт и поменять трубы. Но не имеет достаточную сумму денег для этого. Поэтому обратилась в МДО «Арванд» за помощью. Очень надеться на поддержку и благодарит всех за искренность.

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
  • 254
    View loans »
    Tajikistan Loans Fundraising
  • $30,452,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,200 helped Bishafoat to purchase pipes for renovating her bathroom.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 17, 2014
Jul 10, 2014
Currency Exchange Loss:
Aug 9, 2014