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Zarina is 25 years old and single. She is a conscientious, smart and responsible young woman. She sells perfumes at the city's central market and has almost 3 years of experience in this area. Zarina is the oldest daughter in her family and helps her parents by earning her own salary. As the wedding season is beginning, she would like to use this loan to expand the assortment of perfumes in her shop. From all her profits, Zarina puts aside a certain sum for her future wedding. She would like to express her gratitude to MDO Arvand, LLC for their support.
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Зарина – 25 лет, добросовестная, умная и ответственная девушка. Она не замужем. Занимается торговлей парфюмерной продукции в центральном рынке города. Опыт в этой деятельности около 3 лет. Зарина – старшая дочь в семье. Она помогает своим родителям зарабатывая самостоятельно. Так как начинается свадебный сезон, на полученный кредит хочет увеличить ассортимент парфюмерной продукции. С каждого дохода она откладывает необходимую сумму для себя, на будущую свадьбу. Зарина выражает свою благодарность нашей организации за финансовую поддержку.

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
  • 263
    View loans »
    Tajikistan Loans Fundraising
  • $31,833,650
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Zarina to purchase perfumes and expand her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 24, 2012
May 9, 2012
Currency Exchange Loss:
Feb 15, 2013