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Dilbaroi is a hard worker. She is 41 years old and has a son and a teenage daughter. Her husband Azim is a handyman and he has a seasonal job. Dilbaroi has been in business for more than six years, selling food at the central food market. In her product range, she has products that are needed daily, like eggs, butter, beverages, sugar and so on. She has a stable income from this business. Dilbaroi works daily without a break, and rests only when needed.

At the advice of her neighbors, she took her first loan in 2007. Back then she had a small turnover and after the loan she gradually expanded her activities, and improved their situation at home, their health,... For the previous loan she bought a refrigerator, which she uses in her business, and for the next loan she wants to buy a large quantity of products, so that before New Year's she can sell a lot of her products.
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Дилбарой- труженица,ей 41 лет,имеет одного сына и дочь подросткового возраста.Муж Азим- разнорабочий и имеет работу сезонного характера.Сама занимается бизнесом более 6ти лет, продает продукты питания на центральном продуктовом рынке.В её ассортименте есть необходимые продукты повседневного спроса, такие как яйцо, слив. масло,напитки,сахар и т.д.Исходя из сказанного,её реализация стоит на стабильном уровне.Работает повседневно без перерыва и по необходимости отдыхает.По совету соседей по бизнесу с 2007 года получила первый кредит. Тогда
у неё был маленький товарооборот и после кредита постепенно расширила свои активы,улучшила свою обстановку дома,здоровье... На предыдущий кредит купила холодильник,который использует на свой бизнес, а на очередной кредит хочет закупить большую партию продуктов,так как перед Новым годом она может хорошо реализовать свои продукты.

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
  • 226
    View loans »
    Tajikistan Loans Fundraising
  • $32,074,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Dilbaroi to buy a large quantity of eggs and butter at wholesale price.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Dec 16, 2011
Jan 2, 2012
Currency Exchange Loss:
May 16, 2012