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Hamro would like to take out a loan for the purchase of livestock feed. His herd far up in the mountains, out to pasture with a shepherd. He himself isn't able to keep his livestock at home because of a lack of feed and grass. For this reason, he has applied to Arvand for a loan to buy feed so the livestock can be driven back to his home. His wife also helps with the development of the business. She uses the wool to make yarn, which she sells at the market. In their village, this is the main work and source of income. In order to somehow feed his family, Hamro must keep his livestock until Spring. He is greatly relying on support from Arvand.
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Хамро хочет получить кредит для покупки корма для скота. Его скот находится далеко в горах на пастбищах у пастуха. Сам он не в состоянии содержать скот дома из-за нехватки корма и травы. Для этого он обратился в Арванд чтобы получить кредит и купить корм для скота и пригнать обратно скот в свой дом. Его жена также помогает в развитии бизнеса. Она получает пряжу, и после обработки продает на рынке. В их кишлаке это основная работа и источник дохода. Чтобы как то прокормить свою семью, он должен сохранить свой скот до весны. Хамро всячески надеется на поддержку от Арванд.

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 $650 helped Hamro to purchase of livestock feed.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 15, 2012
Dec 1, 2012
Currency Exchange Loss:
Aug 17, 2013