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Nilyufar is a 34 year old village woman. She is married and has 3 children. Her husband grows agricultural crops; he plants rice, corn and wheat. They also have several heads of livestock. At home they make dairy products and sell them to neighbors. Nilyufar is a very punctual, hardworking woman. In addition to making dairy products she has a store where she sells children's clothing and fabrics for sewing women's clothing. Her children help her in her business. She has been taking loans from our organization since 2010. Now she would like to use the loan to buy children's clothing and summer fabrics for sewing women's clothing in order to grow her business.
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Нилюфар сельская женщина 34 лет.Замужем,имеет 3 детей.Ee муж занимается выращиванием сельхоз культур,сеет рис,кукурузу и пшеницу.А также у них имеются несколько поголовья скота.Дома реализуют кисломолочные продукты и продают соседям.Нилюфар очень пунктуальная,трудолюбивая женщина.Кроме реализации кисломолочных продуктов у нее также имеется магазин где она продает детскую одежду,и ткани для пошива женской одежды.По бизнесу помогают ей ее дети .С 2010 года кредитуется в нашей организации.Сейчас на полученный кредит она хочет приобрести детскую одежду и летних тканей для пошива женской одежды чтобы расширить свой бизнес.

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
  • 238
    View loans »
    Tajikistan Loans Fundraising
  • $32,063,325
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,100 helped Nilyufar to purchase children's clothing and fabrics for women's clothing.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 12, 2012
Jun 23, 2012
Currency Exchange Loss:
Jan 15, 2013