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Sharofat is a woman of 50 years. She is married and has children. Sharofat is engaged in making flatbreads. This is a family business. She is helped by her husband, son, and daughter-in-law.

Not long ago, she installed a big new tandoor (national oven) and now ever day they bake through four bags of flour which yields about 1,200 flatbreads.

From these earnings, they also increase the family budget. This business is the only source of income for the family. Therefore Sharofat is trying to develop this business.

Sharofat plans to use the received loan to buy wholesale flour and coal for the winter. She sends her thanks in advance to Kiva for the financial support.
View original language description ↓
Шарофат женщина в возрасте 50 лет. Она замужем и имеет детей. Шарофат занимается производством лепешек. Этот бизнес у них семейный. Ей помогают муж, сын и невестка. Не давно она поставила новый большой тандыр(национальная печь) и теперь каждый день они пекут по четыре мешков муки из которой получается около 1200 лепешек. От этого прибыль и семейный бюджет у них увеличивается. Этот бизнес единственный доход в семье. Поэтому Шарофат старается развивать этот бизнес.
На полученный кредит Шарофат планирует закупить оптом муку и уголь на зиму. Она заранее благодарит организацию Кива 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
  • 263
    View loans »
    Tajikistan Loans Fundraising
  • $31,845,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Sharofat to buy flour and coal.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 15, 2012
Dec 15, 2012
Currency Exchange Loss:
Nov 17, 2013