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Nasiba is a young married woman and a mother of three children. Prior to the marriage, she was studying to be a jewelry maker and is now involved in a fine jewelry business. She makes women's national jewelry from gold with unusual designs. Nasiba sells her goods at a market and primarily makes the jewelry to-order. She has a large catalog of samples for every taste. She does not yet have apprentices because she has a small child and would not have time for apprentices. In the future, Nasiba plans to open her own shop and teach her trade to young women. She has been partnering with us since 2010 and previously obtained a loan to purchase scrap to make her jewelry. This is now her second time obtaining financing from us, and this is another loan to be used for household buildings. Because Nasiba's husband is currently working outside the city limits, and their house construction has began, Nasiba needs our loan.
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Насиба молодая женщина, замужем и мать троих детей. До замужества отучилась на ювелира и сейчас занимается тонким ювелирным делом. Мастерит женские национальные украшения из золота необычных узоров. Свой готовый товар продает на рынке и в основном делает эти изделия на заказ. Имеет большой каталог образцов на любой вкус. Пока у неё нет своих учеников, так как у неё маленький ребёнок и на учеников почти нет свободного времени, но в будущем планирует открыть свою мастерскую и обучать девушек своему делу. Сотрудничает с нами с 2010г. И брала кредит на покупку лома для своих изделий. Сейчас уже кредитуется во второй раз и очередной кредит использует на хозяйственные постройки. Так как муж Насибы сейчас на заработках за пределами города и у них началась стройка дома,Насибе необходим наш кредит.

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
  • 216
    View loans »
    Tajikistan Loans Fundraising
  • $31,059,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,300 helped Nasiba to build a house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 26, 2011
Dec 10, 2011
Currency Exchange Loss:
Nov 15, 2012