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Monand lives in a rural area, far from the city. She has a lot of experience in the area of animal husbandry and knows all the fine points of this work. From the livestock, she receives her income which she uses for housing, the children's education, and well-being. Monand has three cows and three sheep. She also milks a cow and receives fresh and delicious milk. Selling milk, she receives additional income.

Since the livestock for Monand provide only seasonal income, she also does collective farming. All year round, she can find in the garden fresh greens. This is how she covers the daily expenses of the family. She has four children, three of which are grown and only one is a dependent of Monand. Her son helps her with the livestock and often leads them to pasture. Monand plans to buy cattle and their feed, but does not have enough money in hand. Monand decided to apply to MDO Arvand for a loan. She very much hopes to find solutions to their problems through acquiring loans. She thanks MDO Arvand in advance for the trust and support.
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Монанд живет в сельской местности, в далёком от города кишлаке. Она имеет большой опыт в сфере животноводство и знает все тонкости этого дела. От скотоводства получает свой доход, который тратит на жильё, учебу детей и проживание. Монанд имеет три коровы и три барана. Она также доит корову и получает парное и вкусное молоко. Продавая молоко, она получает дополнительный доход.
Так как от скота Монанд получает сезонный доход, она также занимается дехканским хозяйством. Круглый год у нее можно в огороде найти свежую зелень. Этим она покрывает ежедневные расходы семьи. Имеет четырех детей, трое выросли и только один находится на иждивении у Монанд. Сын помогает ей в скотоводстве и часто выводит скот на пастбище. . Монанд планирует купить КРС и корм для них, но не имеет достаточную сумму на руках. Монанд решила обратится в МДО «Арванд» за кредитом. Очень надеется найти решения своих задач приобретённым кредитом. Заранее благодарит МДО «Арванд» за доверие и 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
  • 215
    View loans »
    Tajikistan Loans Fundraising
  • $29,718,600
    Funds lent in using Kiva
  • 4.9
    Tajikistan Somoni (TJS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $625 helped Monand to buy cattle.
93% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 2, 2014
Jul 22, 2014
Currency Exchange Loss:
Aug 17, 2015