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Zulfiya is 47 years old, married and has five children. She works in the kindergarten as a janitor. Zulfiya has own business. She does knitting and has over thirty years of experience in this business. She knits scarves, tank tops, wool socks, baby's booties and hats and other things. She is a skillful master of her craft and does knitting with needles and crochet. She has many regular customers. Zulfiya's husband is now working in Russia. The money which her husband sends are only enough to support the family and there's not enough for her business. She wants to use the loan to buy a knitting machine and yarn. This is her sixth loan. Zulfiya expresses her gratefulness to our organization for the financial support.
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Зулфия – 47 лет, замужем, имеет 5 детей. Она работает в детском саду дворником. Зульфия имеет свой бизнес. Она занимается вязанием. Опыт в этой деятельности более 30 лет. Она вяжет шарфы, безрукавки, шерстяные носки, детские пинетки и шапочки и др. Она умелая мастерица своего дела, так как вяжет спицами, крючком. У нее очень много своих постоянных клиентов. Муж и сын Зульфии находятся РФ на заработках, присылаемые мужем деньги хватают только на содержание семьи, а на бизнес почти ничего не остается. На полученный кредит она хочет приобрести вязальную машинку и пряжи для вязания. Этот кредит 6 по счету. Зульфия 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
  • 203
    View loans »
    Tajikistan Loans Fundraising
  • $32,074,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Zulfiya to buy a knitting machine and yarn for knitting.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 17, 2012
May 26, 2012
Currency Exchange Loss:
Dec 15, 2012