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Fotima has approached MDO Arvand for a loan to increase her herd of cattle. She keeps several head of livestock at home, and this is the main livelihood in the region where she lives. Fattening cattle is her sole source of income. This type of work is currently in demand, which is why her family is working hard at it, so they can support themselves in this way. They have a large family and there is not enough employment for everyone in the village where they live. Many villagers have to go to the Russian Federation to earn money as migrant workers, but Fotima does not want to send any of her family to a foreign country so she is trying to provide for them herself. For this reason, Fotima wants to get a loan from Arvand to buy several head of cattle to continue to develop her business.
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Фотима обратилась в МДО «Арванд» для получения кредита, чтобы увеличить поголовье скота. Она содержит дома несколько голов скота. Эта основная работа в их регионе. Откорм скота является единственным источником дохода. Этот вид деятельности являются очень актуальными, поэтому ее семья всерьез занимается этим делом, чтобы прокормиться. У них большая семья и работа в кишлаке хватает не на всех, многие сельчане уезжают в Россию на заработки, но Фотима не хочет отправлять свою семью в чужую страну и старается сама их прокормить. Для этого она хочет получить кредит в Арванде чтобы купить несколько голов скота и продолжить развивать свой бизнес.

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
  • 253
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Fotima to buy cattle.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 19, 2012
Dec 4, 2012
Currency Exchange Loss:
Jun 17, 2013