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Rano has been a borrower with Arvand since 2002 and took out each one of her loans in order to increase her good turnover. At the beginning of her credit history, she was involved in small sales and sold men's and women's socks and undergarments, and her goods turnover amounted to only 120 dollars. Currently, her goods turnover increased and reached 1500 dollars. She changed her merchandise selection to men's athletic clothing and also changed her place of business. Rano brings in merchandise from Bishkek once per month. Her husband works as a salesperson at a rugs and carpet store. His monthly income is 700 somoni, and fully provides for the family. They have three children, one of whom studies at a university, and this is why Rano tries to use her profits to pay the agreed tuition for the education annually. Rano plans to use this loan to expand the selection of warm seasonal clothing.
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Раъно заёмщица «Арванд» с 2002 года, которая берёт каждый кредит на расширении своего товарооборота. Вначале своей кредитной истории она занималась мелкой торговлей, продавала мужские и женские носки и нижнее белья, и её оборот составлял всего 120 долларов. Сейчас ее товарооборот увеличился и достиг 1500 долларов. Она изменила ассортимент продаваемых товаров на спортивную мужскую одежду, а также и место торговли. Товар привозит из Бишкека раз в месяц. Муж Раъно работает продавцом в магазине по продаже ковров и паласов. Его ежемесячная заработная плата составляет 700 сомони и он полностью обеспечивает семью. У них трое детей, из которых один учится в ВУЗе, поэтому из своей прибыли Раъно старается ежегодно оплачивать договорную плату за обучение. На получаемый кредит Раъно собирается увеличить ассортимент утеплённой сезонной одежды.

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
  • 243
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Rano to expand selection of warm seasonal clothing.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Nov 11, 2011
Nov 30, 2011
Currency Exchange Loss:
Jul 15, 2012