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Salomat is a 50 year-old woman, who has been working with Arvand since 2002. At the beginning of her entrepreneurial activity, she sold women's undergarments and had a small business turnover. The selection of goods was also limited. Salomat's husband works as a cook at a cafeteria, and his entire income gets used for family expenses. Also, one of the client's sons works in Russia and sends them money for living expenses every month. Salomat has been increasing her good turnover year after year with the help of the loans and used the resulting profits to marry off her daughter and repair her house. Over the nine years of credit history, Salomat has not once violated the terms of the organization. Over this time, she changed her place of business and today leases a container at the large clothing market, "Somon," and her goods turnover increased several fold. And also their social and family condition increased and improved. Salomat plans use her new loan to purchase seasonal merchandise.
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Саломат, женщина 50-ти лет, которая с 2002 года сотрудничает с Арвандом. В начале своей деятельности Саломат торговала женским нижним бельём, и оборот её бизнеса был небольшой. Ассортимент товаров тоже был невелик. Муж Саломат работает поваром в столовой и его доход полностью идет на семейные расходы. К тому же один из сыновей клиентки находится на заработках в России, и каждый месяц присылает им денежные переводы на проживание. Саломат год за годом увеличивала свой товарооборот при получении очередного кредита и на полученные доходы выдала замуж дочь, отремонтировала свой дом. За девять лет кредитной истории Саломат ни разу не нарушила условия организации. Она за это время сменила своё место деятельности, на сегодняшний день арендует контейнер на большом вещевом рынке «Сомон» и её товарооборот увеличился в несколько раз. А также повысилось и улучшилось социальное и семейное положение.
Свой новый кредит Саломат собирается употребить на закуп сезонных товаров.

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
  • 200
    View loans »
    Tajikistan Loans Fundraising
  • $31,100,325
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD