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Zulhumor is 48 years old, married and has three children. She sells children's clothing. She began her entrepreneurial activity with a small assortment of merchandise and low sales volume. However, year after year, Zulhumor increased the volume of her sales with assistance from MDO Arvand and, thanks to her growing profits, held a wedding for her daughter and repaired her home. Zulhumor has been in this line of work for the past 5 years, and she doesn't want to stop developing her business further. Using her next loan, she is planning to purchase a new lot of children's clothing. She is grateful in advance for your support.
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Зулхумор женщина 48 лет. Она замужем имеет троих детей. Занимается купля продажей детской одежды. В начале своей деятельности Зулхумор торговала детской одеждой, и оборот её бизнеса был небольшой. Ассортимент товаров тоже был невелик но Зулхумор год за годом увеличивала свой товарооборот сотрудничая с Арванд и на полученные доходы выдала замуж дочь и отремонтировала свой дом. Эти видом деятельности она занимается 5 лет. Зулхумор не хочет на этом останавливаться она старается развивать свой бизнес и на очередной полученный кредит планирует закупить новый ассортимент детской одежды. Заранее благодарит за 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
  • 263
    View loans »
    Tajikistan Loans Fundraising
  • $31,844,575
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Zulhumor to buy children's clothing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 4, 2012
Nov 10, 2012
Currency Exchange Loss:
Nov 17, 2013