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Update on Saida

Saida is married and has children. After having repaid her previous loan, she decided to turn to MDO Arvand one again, in order to purchase winter goods. Over the previous loan period she increased her turnover by three times and is very pleased with this.

Saida goes to another city to get the goods herself, in a taxi together with acquaintances. It is very hard on her, but she does not lose heart and tries to develop her business. This is the family's only income. For the loan received, Saida plans to purchase winter clothing. She is very thankful to Arvand for the help and support.
View original language description ↓
Саида замужем и имеет детей. Погасив свой предыдущий кредит она решила в очередной раз обратится в МДО "Арванд", чтобы привезти зимний товар. За период кредитования она расширила свой товарооборот в 3 раза и очень довольна этим. Саида сама ездит за товаром в другой город, едет на такси со знакомыми, ей очень тяжело но она не падает духом и старается развивать свой бизнес. Это их единственный доход в семье. На полученный кредит Саида планирует привести зимний ассортимент одежды. Она очень благодарна Арванд за помощь и поддержку.

Previous Loan Details

Saida has been selling at a market for two years and has a small store, where she sells children's clothing. She thinks that she has profitable merchandise. Children grow up fast, and customers always need to update clothing for their children. Saida travels for merchandise by herself twice pe... More from Saida's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Tajikistan

  • $2,700
    Average annual income
  • 212
    View loans »
    Tajikistan Loans Fundraising
  • $31,826,550
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Saida to purchase winter clothing.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 24, 2012
Dec 6, 2012
Currency Exchange Loss:
Nov 17, 2013