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Gulsara is 37 years old, a widow and has three children. She is involved in selling children's clothing at the central market. She has over four years of experience in this business. This business is the primary source of income for her family. Gulsara wants to save money to make sure that her children are not in need for anything and to provide them with a good education. She sets aside a necessary amount from each of her income earnings. This is Gulsara's second loan. She did not violate the financing terms and also proved her punctuality. She plans to increase her goods turnover with this loan by buying seasonal children's clothing. Gulsara expresses her gratitude to our organization for the financial support.
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Гулсара – 37 лет, вдова, имеет 3 детей. Занимается торговлей детской одежды в центральном рынке. Опыт в этой деятельности более 4 лет. Её занятие является основным доходом для семьи. Она хочет накопить денег, чтобы дети ни в чем не нуждались и дать им хорошее образование. С каждого дохода она откладывает необходимую сумму. Этот кредит Гулсары второй по счету. Она не нарушала условия кредитования, а также доказала свою пунктуальность. На полученный кредит планирует увеличить свой товарооборот, закупить сезонную детскую одежду. Гулсара выражает свою благодарность нашей организации 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
  • 225
    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 $1,050 helped Gulsara to buy seasonal children's clothing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 24, 2012
Jul 2, 2012
Currency Exchange Loss:
Sep 17, 2013