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Muhayo is taking out her first loan, intended for buying children’s clothing from Istaravshan. She has been selling at the market for about a year. With the spring season starting, she plans to bring spring clothes for children. She has three children; her husband is currently in the Russian Federation as a migrant worker. Her father-in-law supports her in her business. Her aunt helped her launch this business: she would find quality goods and shared all tricks of the retail buyer trade. Muhayo is taking out this loan in order to expand her business; she would like to bring spring clothes for resale.
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Мухайё получает кредит в первые на покупку детских вещей с Истаравшана. Она торгует на рынке почти год и сейчас весений сезон она планирует привезти весенний товар для детей. У нее 3 детей, ее муж находиться в Российской Федерации на заработках. В бизнесе поддерживает свекор. В начинании бизнеса помогла тетя, она находила ей хорошие товары и рассказывала все секреты товароведения. Получает кредит для расширения бизнеса , она хочет привезти весенний товар для дальнейшей реализации.

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
  • 213
    View loans »
    Tajikistan Loans Fundraising
  • $31,826,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,600 helped Muhayo to buy a spring assortment of children's clothes.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 3, 2012
Apr 4, 2012
Currency Exchange Loss:
Nov 15, 2012