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Hanifa is an elderly woman with eight children, all of whom have their own households. She is currently retired together with her husband, Abdukodir, and they are raising their grandchildren. They also look after livestock, some of which they purchased with our loan and her savings, and were, thus, able to increase their livestock quantity. Besides livestock, the family is involved in growing agricultural crops on their land, which they sell at a market. After each loan, Hanifa improves her household conditions, helped her sons to build a house, married off her last son and held a family event. She is grateful to Arvand because we provide such services, and intends to continue working with us in the future.
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Ханифа пожилая женщина, имеет восемь взрослых детей, которые имеют свои домохозяйства. Сама Ханифа сейчас на пенсии с мужем Абдукодиром и воспитывают внуков. Также они присматривают за скотом, часть которых купили на наш кредит и на свои сбережения, таким образом она увеличивает свой скот.Кроме скота в семье занимаются выращивают сельхозкультуру в своем огороде и продают на рынке.После каждого кредита Ханифа улучшает свои бытовые условия,помогая сыновьям построила дом, женила последнего сына и провела семейное мероприятие.Она благодарна Арванду, что мы предлагаем такие услуги и в дальнейшем намерена продолжать с нами сотрудничать.

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
  • 221
    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 $350 helped Hanifa to buy a cow.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 16, 2012
Feb 21, 2012
Currency Exchange Loss:
Sep 15, 2012