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Muhamadi is 34 years old, married and has two children. He works as a guard and a car washer at a car wash. He has more than 3 years of working experience in this field. Muhamadi has been a punctual, honest client of Arvand since 2010. He has never violated any terms of his loans. In light of the upcoming cold weather, Muhamadi wants to use the loan to repair the roof of his house. His wife, who sews traditional clothing at home, supports him as much as possible. Muhamadi thanks Arvand for financial assistance and support.
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Мухамади – 34 года, женат, имеет 2 детей. Работает в автомойке мойщиком и одновременно является сторожем данной автомойки. Опыт работы в этой сфере деятельности более 3 лет. Кредитуется в нашей организации с 2010 года. Мухамади является постоянным, пунктуальным, порядочным клиентом нашей организации. Он ни разу не нарушил условия кредитования. В связи с наступающими холодами на полученный кредит Мухамади хочет отремонтировать крышу дома. Супруга Мухаммади – домохозяйка, занимается шитьем национальной одежды. Она всячески поддерживает своего супруга. Мухаммади благодарен нашей организации за финансовую 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
  • 210
    View loans »
    Tajikistan Loans Fundraising
  • $32,092,125
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Mykhamadi purchase building materials for roof repairs at home.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 13, 2012
Dec 4, 2012
Currency Exchange Loss:
Oct 17, 2013