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Nazira is a middle-aged woman and has two daughters. Previously, while her husbad was away, she worked as a vendor at an out-of-town market, sending money to her family every month. Currently, her husband is back home on vacation, and Nazira can't work at the market morning til night.

Nazira used her first loans from MDO Arvand, LLC for her business. She made good profits working at the market and has recently bought an apartment. Now she works at a private bakery, making cookies and waffles, but all her salary is spend on her family's needs. Nazira is requesting a loan to repair the bathroom in her new apartment as it is in a very bad shape. She is grateful to MDO Arvand, LLC for their support, thanks to which she became a homeowner.
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Назира- молодая женщина средних лет. Имеет двоих дочек.Раньше имела торговую точку и торговала на рынке продуктами питания,когда её мужа не было в городе. Он зарабатывает за пределами города и присылает семье деньги каждый месяц.Теперь её муж приехал в отпуск и Назира не может выходить с утра до позднего вечера на рынок, так как это очень ответственная работа.Первые кредиты она использовала на коммерческие цели.Она получала хорошую прибыль работая на рынке и недавно купила себе квартиру.Сейчас Назира работает в частном кондитерском цехе,выпекает печенья и вафели и получает заработную плату но заработная плата уходит только на семейные нужды.
Очередной кредит запрашивает на ремонт сан.узла квартиры, которую купила потому что он в плохом состаянии.Благодарна нам за поддержку,при помощи которой стала владельцем собственной квартиры.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Tajikistan

  • $2,700
    Average annual income
  • 209
    View loans »
    Tajikistan Loans Fundraising
  • $31,826,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,000 helped Nazira to repair the bathroom in her new apartment.
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 23, 2012
Jun 13, 2012
Currency Exchange Loss:
Jul 13, 2012