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Qumriniso is an older woman, who has four sons, and the youngest wants to marry. Qumriniso has prepared for this, saving a dowry for the bride. In our area, according to the old ritual, the groom's family should give dowry before the wedding. All these gifts are expensive and therefore one needs to prepare several years for this arrangement.

Qumriniso works as a nurse at the hospital and after having been told about our services by her colleague, she came to our organization for a loan. She liked the terms of partial payment and she received her first loan for her needs. As the sons, daughters in law and husband of her family works, they help her with the repayment, and she does not find it difficult to cover her loan. Currently she intends to continue working with us - receiving a round sum it covers her major costs.
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Кумринисо- женщина старших лет,у неё четыре сына, последнего хочет женить. Для этого она уже готовится- копит приданое для невесты.В наших краях по старинному обряду сторона жениха должна подарить калым-приданное перед свадьбой.все эти подарки дорогие и поэтому для такого мероприятия готовятся несколько лет.Кумринисо работает в больнице санитаркой и узнав от своих коллег про наши услуги, она пришла в нашу организацию за кредитом.Условия частичного погашения понравились ей и она получила первый кредит для своих нужд.Так как в её семье сыновья, невестки и её муж работают, в погашении ей помогали и она не затруднилась покрыть свой кредит.Теперь она намерена всегда с нами работать- получая круглую сумму она покрывает свои крупные расходы.

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
  • 256
    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 $425 helped Qumriniso to buy dowry for the bride of her son.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 27, 2012
May 28, 2012
Currency Exchange Loss:
May 17, 2013