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Marhamat is a 48 year-old woman and a mother of two children, whom she raised on her own and married off her daughter. Marhamat's son works as a security guard at a market, and his monthly income is only 300 somoni, which is not enough to cover living expenses for himself and his mother. This is why Marhamat works as a janitor at a sales office, and her income is 250 somoni. But it is clear from this family's monthly income that the family is unable to start repairs of their apartment, and this is why Marhamat wants to use this loan to make repairs to her kitchen and use her income to gradually repay the loan on a monthly basis. She is grateful to the organization for this opportunity to solve her family problems.
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Мархамат женщина 48 лет, мать двоих детей, которая сама поставила детей на ноги и выдала замуж дочь. Сын работает на рынке охранником, его заработная ежемесячная плата составляет всего 300 сомони, что не хватает ему и матери на жизнь. Поэтому Мархамат работает техничкой в торговом офисе и её зарплата составляет 250 сомони. Но по ежемесячным доходам данной семьи видно, что они не в силах начать ремонт квартиры, поэтому на запрашиваемый кредит Мархамат хочет отремонтировать свою кухню, и каждый месяц со своих доходов своевременно погашать кредит. Она благодарна организации за такую возможность решения её семейных проблем.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Tajikistan

  • $2,700
    Average annual income
  • 246
    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 $325 helped Marhamat to make repairs to her kitchen.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 5, 2011
Dec 8, 2011
Currency Exchange Loss:
Jan 15, 2013