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Gulnora is one of the most active, punctual, and honest customers of MDO Arvand, LLC with a long history of taking loans. She took her first loan of 500 somoni when her business was still very small. She found Arvand through word of mouth, requested financial support, and then took a chance. Using her loan, Gulnora purchased a new lot of merchandise and began traveling outside the city to sell it. There are no large shopping centres in the countryside, and so Gulnora's business rapidly flourished. In a very short time, she greatly increased her financial resources, all the while working with Arvand. Gulnora believes that MDO Arvand, LLC was the reason for the success of her business.

Currently, Gulnora sells men's clothing in the countryside, where she travels four times per month. She would like to use this loan to purchase a new lot of spring clothing.
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Гулнора- одна из самых активных,пунктуальных и порядочных клиентов Арванда с большим стажем кредитования.Первый кредит она получила в сумме 500 сомони и тогда имела небольшой объём товара.Тогда по наслышке она обратилась в нашу организацию за финансовой поддержкой и рискнула.Получив кредит она закупила партию товара и стала ездить за город на торговлю.В сельской местности нет больших торговых точек и её бизнес стал развиваться очень хорошо и быстро.За очень короткий период времени она накопила свои ресурсы, но не переставая сотрудничала с нашей компанией.Она считает,что именно наша организация стала причиной процветания её бизнеса.Сейчас она продает мужскую одежду в селах и ездит туда четыре раза в месяц.На очередной кредит хочет закупить партию весенней одежды.

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
  • 239
    View loans »
    Tajikistan Loans Fundraising
  • $31,826,550
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,100 helped Gulnora to buy a new lot of spring menswear.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 15, 2012
Jun 15, 2012
Currency Exchange Loss:
Mar 15, 2013