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Tojiniso has recently become a widow. She is 41 years old and has three children. Sadly, her husband died a short time ago due to an illness, and now she raises their children alone. The children still live at home, but Tojiniso is planning a wedding for her oldest daughter. Traditions dictate that she undertake extensive preparations and make large purchases. Not surprisingly, her salary is not sufficient to buy everything, and so she is taking this loan to cover her expenses.

At this time, Tojiniso's son and other relatives contribute to the family's budget. This is Tojiniso's second personal loan, and she is happy with the conditions of borrowing from MDO Arvand, LLC. She is grateful fo the financial support.
View original language description ↓
Точинисо-молодая вдова, ей 41 год и у неё трое детей.Недавно к большому сожалению у неё скончался муж от болезни и она теперь воспитывает детей одна.Её дети еще не имеют личной жизни и она выдает старшую дочку замуж.Для этого по национальному обряду она должна много готовиться и сделать большие покупки.Как известно на заработную плату всего этого не купить и она берет на эти расходы кредит.Сейчас ей в семейном бюджете помогают родственники и сын.Точинисо получает второй кредит на свои нужды и считает наши условия очень выгодными.Благодарит за финансовую поддержку.

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
  • 218
    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 $525 helped Tojiniso to purchase dowry and hold a wedding for her oldest daughter.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jun 18, 2012
Jun 24, 2012
Currency Exchange Loss:
Jun 17, 2013