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Gulnora is a 43 year-old woman, who is married and has four children. She has been involved in wholesale sales of rice for over 12 years. She buys rice from farmers and sells it at remote villages of the district. She is a very hardworking and conscientious woman. Gulnora is well-versed in business seasonality. Her husband is disabled, and this is why she has to work twice as hard to provide well for the family. Gulnora has been obtaining financing from our organization since 2007 and never violated our terms and conditions. She wants to use this loan to purchase several bags of rice and increase her product turnover.
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Гульнора,женщина 43 лет.Замужем,имеет 4 детей.Более 12 лет занимается оптовой продажей риса.Рис закупает у колхозников и продает в отдаленные кишлаки района.Очень трудолюбивая,добросовестная женщина.Хорошо разбирается в сезонности бизнеса.Муж ее инвалид,в связи с этим она вынуждена работать в двойне,чтобы содержать семью в достатке.Гульнора 2007 года кредитуется в нашей организации и ни разу не нарушала политику кредитования.На полученный кредит она хочет закупить несколько мешков риса и расширить свой товарооборот.

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
  • 221
    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 $650 helped Gulnora to purchase several bags of rice.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 10, 2012
Jun 22, 2012
Currency Exchange Loss:
Jul 17, 2013