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Umeda is a 28 year-old woman. She is married and has three children. Umeda sells children's and women's clothing at a market. She had worked as a salesperson at a store for five years. Then, her mother provided her with financial support, and Umeda opened her own small store. Umeda's husband is in the Russian Federation. The oldest son attends a school, and the youngest go to a kindergarten. Umeda wants to use this loan to bring in a new selection of women's and children's clothing. She is very grateful to Arvand for the financial support.
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Умеда женщина в возрасте 28 лет. Она замужем и имеет троих детей. Умеда торгует на рынке детской и женской одеждой. В течении 5 лет она работала в магазине продавщицей. Позже ее мать поддержала ее с финансовой стороны и она открыла свой небольшой магазин. Муж Умеды находиться в Российской Федерации. Старший сын учиться в школе, а младшие ходят в детский сад. Умеда на полученный кредит хочет привезти новый ассортимент женской и детской одежды. Она очень 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
  • 234
    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 $1,050 helped Umeda to bring in a new selection of women's and children's clothing.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Nov 26, 2012
Dec 7, 2012
Currency Exchange Loss:
Aug 17, 2013