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Tuhfa is a 48-year-old woman and the mother of three children. With her son, she goes to markets in various districts to sell fabrics and food products at the market. When she took her first loan, she used to sell food products only, but she has gradually increased her assortment of merchandise and now also sells fabrics for bedding. With this next loan, she is planning to buy some merchandise in bulk and deliver it to the markets of the Ghonchi district.
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Тухфа - женщина в возрасе 48 лет, мать троих детей. Она вместе с сыном выезжает на рынке по районам. Продаёт ткани и продукты питания. Раньше при первом займе она торговала только продуктами питания, а теперь постепенно смогла увеличить свой ассортимент товаров и включила ткани для пошива постелей. На следующий кредит она собирается оптом закупить товар и развозить его по рынкам Ганчинского района.

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
  • 250
    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 $2,125 helped Tuhfa to buy fabrics in bulk and expand her business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 1, 2012
May 5, 2012
Currency Exchange Loss:
Apr 17, 2013