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Ugul was born in 1963. She is a teacher with a higher education and has three children. She is married, and her husband, Rahimchon, works as a mechanic, which is a highly-demanded, non-seasonal profession, that brings in a stable income. Their son works at a butter plant, called Avangard. Ugul herself works at a secondary school as a Persian language teacher and an assistant principal of studies. After learning about the financing program, her school formed a solidarity group, consisting of teachers from this school, and started to obtain loans from our organization since 2009. This loan is being obtained for consumer goals. Ugul has previously used loans purposefully several times; she is respected among her colleagues and has a positive credit history. Her loan history is continuous, and she is glad to be partnering with us.
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Угул 1963 года рождения, преподаватель с высшим образованием, имеет 3х детей. Замужем, муж Рахимчон работает слесарем – востребованная профессия и его работа не имеет сезонности и имеет стабильный доход. В семье работает ещё сын в маслозаводе «Авангард». Клиентка сама работает в общеобразовательной школе преподавателем персидского языка и заведующей учебной частью. После информирования о программе кредитования в ее школе образовали группу солидарной ответственности в составе преподавателей из этой же школы, и с 2009 года начали кредитоваться в нашей организации. Этот кредит берет на потребительские цели, несколько раз уже использовала целенаправленно кредит, пользуется уважением среди коллег и имеет положительное кредитное досье. Стаж ее кредитования непрерывный и она рада, что сотрудничает с нами.

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
  • 193
    View loans »
    Tajikistan Loans Fundraising
  • $31,808,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Ugul to achieve consumer goals.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Dec 1, 2011
Dec 5, 2011
Currency Exchange Loss:
Apr 15, 2012