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Update on Sharafniso

Sharafniso has been partnering with our organization since 2008. She sells candy and sweets at a market. Her husband works in Russia and sends money home monthly when possible. Sharafniso lives with her parents-in-law. She spends all day at the market while her mother-in-law raises her children. Sharafniso is saving money for her children's future to make sure that they are not in need for anything. She sets aside a certain amount from each earning. Sharafniso plans to use this loan to bring in a new selection of candy and sweets.
View original language description ↓
Шарафнисо сотрудничает с нашей организацией с 2008 года она торгует на рынке конфетами и сладостями. Ее муж находится в России на заработках и по возможности каждый месяц присылает им деньги. Шарафнисо живет с родителями мужа, она целый день находится на рынке, а свекровь воспитывает ее детей. Она копит деньги на будущее своих детей чтобы они не нуждались не в чем. С каждого дохода она откладывает необходимую сумму. На кредит планирует привезти новый ассортимент конфет и сладостей.

Previous Loan Details

Sharafniso is 36 years old, married and has two children. She has been partnering with our organization since 2008. She has a secondary education. After graduating from school, Sharafniso started working with her mother and then got married several years later. She stayed home for a few years... More from Sharafniso's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Tajikistan

  • $2,700
    Average annual income
  • 248
    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 $2,500 helped Sharafniso to purchase candy and sweets.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 16, 2012
Apr 19, 2012
Currency Exchange Loss:
Nov 17, 2013