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Zamira is a young woman, the mother of four children. She works as a kindergarten teacher. Her husband provides for the family by taking out private work assignments as a building contractor. Since their family is young, Zamira would like to improve their living condition and buy missing items of furniture. Her salary doesn’t allow saving money for such major purchases. Therefore she and her husband decided to take out a loan and realize their plans for the household. Zamira earns additional income raising livestock and hope to save money in order for the monthly payments. Zamira thanks Arvand for its financial support.
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Замира молодая женщина,мать 4х детей,работает в детском саду воспитателем. Её муж работает частными работами и содержит семью за счет строительных работ. Так как семья молодая, Замира хочет улучшить свои домашние условия и купить недостающую мебель. На её зарплату невозможно отложить деньги на такие крупные расходы. Поэтому они с мужем решили получить кредит и осуществить свои бытовые планы. Она имеет дополнительный доход от присмотра за скотом и надеется, что сэкономит деньги на ежемесячное погашение кредита. Замира благодарит Арванд за финансовую 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
  • 197
    View loans »
    Tajikistan Loans Fundraising
  • $31,808,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Zamira to buy furniture.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 12, 2012
Dec 5, 2012
Currency Exchange Loss:
Nov 17, 2013