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Holmurot is a 38 year old man living in a rural area. He is married and has two children. His wife doesn't work because she doesn't have a higher education. Holmurot also only finished high school. He is a peasant farmer. But what he earns on the collective farm isn't enough to get by on. Several years ago, Holmurot decided to get into the business of raising cattle since this brings a very good income. He raises cattle that he buys at the market while they are still calves. After raising them and fattening them up, he sells them at an advantageous price. His wife helps him in her free time.

Holmurot's children are already no longer small and it's his dream that they study in an institute of higher education. Because of this, he and his wife are developing their business and saving money for their children's education. After all, if they get a higher education, they'll be able to work in dignified profession.

Holmurot is planning to use this loan to buy livestock feed because he is out of feed and there is no forage in the winter. He is very grateful to Kiva for the financial help and support.
View original language description ↓
Холмурод мужчина в возрасте 38 лет,живет в сельской местности. Он женат и имеет 2 детей. Его супруга не имеет высшего образования, поэтому нигде не работает. Сам Холмурод тоже закончил только среднее образование. Он дехканин. Но то,что он зарабатывает на своем колхозе не хватает даже на проживание. Несколько лет тому назад Холмурод решил заняться откормом скота так как этот бизнес дает очень хороший доход. Он разводит крупно рогатый скот. Покупает на рынке скота теленка и откормив продает за выгодную цену. Его жена в свободное время помогает ему откармливать скот. Дети Холмурода уже выросли и он мечтает чтобы они учились в высших учебных заведениях поэтому родители развивают свой бизнес и копят деньги на обучение детей. Ведь если они будут иметь высшее образование они смогут работать достойно по профессии.
На полученный кредит Холмурод планирует купить корм для скота, так как корм закончился и в зимнее время травы нет. Он очень благодарен организации Кива за финансовую помощь и 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
  • 202
    View loans »
    Tajikistan Loans Fundraising
  • $32,085,025
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Holmurot to purchase livestock feed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 9, 2013
Feb 17, 2013
Currency Exchange Loss:
Jan 17, 2014