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This is Hanifa, a loving mother who, in spite of her age, is still working hard and doing everything she can for her children. Her husband unfortunately died a few years ago, leaving her alone with four children. Since that day, she has had to assume a huge responsibility as the head of her family and the protector of her children. Besides raising her children, she has had to provide them with food and keep them away from poverty.

Hanifa worked very hard and was able to find sources of income which allowed her to stand on her feet. In order to reach her goals, she turned to the organization MDO Arvand and applied for loans more than once. She repaid these loans on time, which clearly shows that she is a responsible woman and a caring mother. Thanks to the loans she took, she was able to create adequate living conditions for her children.

Having worked and saved money for some time, she decided to open a small business. Last year she rented a store and started to sell small everyday items. She gradually expanded her business, and also started to sell household goods. The demand for her goods began to increase, and she received orders from her customers to purchase other necessary items. Today, Hanifa's store contains everything, from matches to kitchen utensils and blankets.

In order to further expand her business and to buy more merchandise, Hanifa is requesting a new loan. This time again, she truly hopes to receive help and assistance from MDO Arvand, in order to further develop her small business. She thanks MDO Arvand in advance for their support and their trust. She strongly believes that a brighter future awaits her children and that they will be worthy of their father's name and of the support their mother has given them in her late years.
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Любящая мама Ханифа, несмотря на свои годы трудиться, и делает всё для своих детей. К великому сожалению ее муж умер несколько лет тому назад оставив её одну с четырьмя детьми. С того дня на Ханифе возлагалось огромная обязанность, она была главой семьи и покровителем детей. Наряду с воспитанием детей ей нужно было прокормить и спасти свою семью от бедности. Она работала и трудилась, находила источники доходов и таким образом как то встала на ноги. Для осуществления своих целей не раз обращалась за кредитом в МДО «Арванд». Её своевременное погашение доказывает, что Ханифа ответственная женщина и заботливая мама. Пользуясь кредитом, она смогла создать условие проживания для своих детей. Постепенно работая и накопив денег, решила открыть свой маленький бизнес. Год назад взяла в аренду магазин и начала продавать всякие мелочи для повседневной жизни. Постепенно расширяясь, привозила хоз товары. Запрос на её товары начали расти, покупатели заказывали привести нужные им вещи. На сегодняшней день у неё на прилавке имеется всё – от спичек до наборов для кухни и одеяло. В целях расширения и закупа новых товаров Ханифа обратилась за очередным кредитом. Она очень надеется на помощь и содействие со стороны организации Арванд в её развитие маленького бизнеса и на этот раз. Заранее благодарит Арванд за поддержку и за доверие. Ханифа очень верит, что их детей ждёт хорошее будущее, и они смогут стать достойными имени своего отца и опорой своей матери в старости лет.

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
  • 252
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Hanifa to purchase household goods.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 12, 2013
Feb 21, 2013
Currency Exchange Loss:
Nov 17, 2013