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Gulnora is 46 years old and is married with two children. She is a hard-working and responsible woman. While searching for a source of income in 1995, Gulnora started her own business with 150 somoni selling sundries (soap, powders, shampoo). Because of her diligence, she has expanded her business. Gulnora's husband is repairing their house and helping her with her business. With the proceeds from the business, they have built a small and comfortable home for their children. Since 2005, Gulnora has been a borrower with our organization and she has never once violated her loan terms and in the period of seven years she has shown herself to be punctual and trustworthy. On receiving her loan, Gulnora wants to expand her assortment of goods and buy some household items. She is awaiting your help and support.
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Гульнора 46 лет замужем имеет двоих детей. Гульнора трудолюбивая и ответственная женщина. В поисках источника дохода в 1995 году Гульнора начала свой бизнес с суммой 150 сомони продавала мелкие товары (мыло, порошки,шампуни). Благодаря упорному труду она расширила свой бизнес. А муж Гульноры ремонтирует дома и помогает ей по бизнесу. На полученные доходы они построили небольшой уютный дом для своих детей. С 2005 года Гульнора кредитуется в нашей организации и ни разу не нарушала условия кредитования и в течении 7 лет она доказала свою пунктуальность и добросовестность. На полученный кредит Гульнора хочет расширить свой ассортимент товаров и закупить хозяйственные товары. Она надеется на вашу помощь и 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
  • 215
    View loans »
    Tajikistan Loans Fundraising
  • $31,061,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,400 helped Gulnora to buy household goods.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 12, 2012
Dec 1, 2012
Currency Exchange Loss:
Aug 17, 2013