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Karomat is a 36 year old woman. She is married and has three children. She sells men's clothes on the clothing market. Her husband works in construction especially during the summer season. In the winter he does animal husbandry so this is why Karomat runs the business herself and her son helps her with bringing in the goods. The merchandise is brought in from Bishkek once a month. Karomat used the received profit to make cosmetic repairs of her home and her husband actually helped her in this because he is a professional in this field. She is asking for a loan to bring in sweaters for the spring and pants for men.
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Каромат женщина 36 лет, замужем , имеет троих детей. Она торгует на вещевом рынке мужской одеждой. Её муж работает на стройке, особенно в летний сезон. А зимой он занимается животноводством, поэтому Каромат сама занимается бизнесом,а по завозу ей помогает её сын. Товар он привозит из Бишкека, один раз в месяц.На полученную прибыль Каромат смогла сделать косметический ремонт своего дома,причём помог ей её муж, т.к. он хороший мастер своего дела. На запрашиваемую сумму она хочет привезти весенние свитера и брюки для мужчин.

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
  • 228
    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 $850 helped Karomat to purchase of spring sweaters and pants for men.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Feb 17, 2012
Feb 21, 2012
Currency Exchange Loss:
Aug 15, 2012