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Hamrokul is 40 years old, married and has six children. He is a shepherd in a village. He watches neighbors' sheep and goats for a pay. He is also involved in and earns an income from fattening up and selling livestock. Hamrokul has two cows and several heads of sheep. He plans to use this loan to purchase two big dairy cows for producing cow milk, so that his wife could milk them and sell farm-fresh milk in the village. Hamrokul never violated the terms of the organization over his four years of financing, and this is why he has a good moral image when it comes to his credit history.
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Хамрокулу 40 лет, он женат, имеет шестерых детей. Сам он пастух в кишлаке. Пасёт соседских баранов и коз за оплату. Также сам занимается и получает доход от откорма и продажи скота. У него сейчас две коровы и несколько голов баранов. На данный получаемый кредит он собирается купить две большие дойные коровы, для получения коровьего молока, чтоб его жена могла доить и продавать домашнее молоко в кишлаке. За четыри года кредитования он ни разу не нарушал условия организации, поэтому имеет хороший моральный облик в кредитной истории.

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
  • 208
    View loans »
    Tajikistan Loans Fundraising
  • $31,077,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Hamrokul to purchase two dairy cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 11, 2011
Dec 14, 2011
Currency Exchange Loss:
Jan 15, 2013