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Monandniso sells women's rain jackets and coats at the local market. Her business is seasonal, so she is in need of a loan until the off-season ends. Monandniso has arranged a marriage for her daughter, and is facing many expenses associated with the wedding. Her husband is in Russia as a migrant worker and sends money home every month, but his income is also irregular.

This is Monandniso's sixth loan, and she strives to use the loans effectively and not let the microfinance institution down. She wants to use this loan to buy jewelry for her daughter's dowry. She always counts on the institution's support, and thanks the organization for its understanding.
View original language description ↓
Монанднисо торгует на вещевом рынке женскими плащами и пальто. У её бизнеса сезонный характер и поэтому, она нуждается в нашем кредите пока у неё не сезон. Монанднисо выдала дочь замуж и у неё много расходов по поводу свадебных мероприятий. Её муж находится в России на заработках и ежемесячно присылает деньги, но его доходы тоже непостоянные. Она получает кредит в шестой раз и старается не подводить нас и целенаправленно использовать кредит. На полученный кредит она хочет купить ювелирные изделия на преданное дочери. Она всегда рассчитывает на нашу поддержку и благодарит нашу организацию за понимание.

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
  • 223
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,500 helped Monandniso to buy jewelry for her daughter.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 17, 2012
Sep 7, 2012
Currency Exchange Loss:
Oct 7, 2012