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Habibulo is a young, active, and experienced shepherd. Despite his age, he has already managed to create his own small farm. He has about 25 sheep and seven cows. He has 17 years of experience in animal husbandry. He is married and has five children. Animal husbandry is his main source of income. His cows and sheep provide his family not only with milk, but also with their "daily bread".

Habibulo takes his profession very seriously. He spends a large portion of his time in the pasture where he takes his sheep to graze. He has big plans for the future. He wants to build a home and send his son to the city to study. However, his financial circumstances don't allow him to bring his dreams and plans to fruition.

Additionally, last year an unfortunate event occurred - some of his sheep died due to flooding and disease. Habibulo pulled himself together and continued on with his work. His wife helped him a lot. She milked the cow, sold the milk, and did the shopping with the income they earned. Now Habibulo is saving and being economical. As the father of five children, he tries to ensure that his family does not go hungry.

Upon finding out about loans, Habibulo turned to MDO "Advand". He would like a loan to purchase livestock and livestock feed at the right moment. He hopes that Arvand will support and help him to recover from his loss. Habibulo, his children, and his wife thank you in advance for your help and understanding.
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Хабибулло молодой, активный и опытный пастух. Несмотря на свои годы, он уже смог создать свою маленькую ферму. У него около 25 овец и 7 коров. Хабибулло имеет 17 летний стаж в сфере животноводство. Он женат и имеет 5 детей. Занятие животноводством его основное дело. Его коровы и овцы дают не только молоко, но и «хлеб» для его семьи. Хабибуло очень серьезно относится к своему делу. Большая часть его времени проходит на пастбище, где выводит пасти своих овец. У него большие планы на будущее. Хочет построить дом, отправить сына в город учиться.. Но его финансовая возможность не позволяет дать жизнь его мыслям и воплощать планы. Тем более в прошлом году его постигла неудача. Из-за ливни и болезни часть его овец померли. Но Хабибуло взяв себя в руки, продолжил своё дело. Его жена очень помогала ему. Доила корову, продавала молоко и на заработанные деньги покупала продукты. Сейчас Хабибулло копит и экономит накопленные деньги. Отец пятерых детей старается, чтобы его дети и семья не нуждались и не голодали. Узнав об кредитовании Хабибулло захотел обратиться в МДО «Арванд». Он хочет получить кредит и пользуясь удобным моментом закупить корм и мелко рогатый скот. Хабибулло очень надеется, что организации Арванд его поддержит и поможет в его восстановлении и от имени себя, детей и жены заранее благодарит за содействие и понимание.

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
  • 220
    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 $1,075 helped Habibulo to purchase livestock and livestock feed.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Feb 13, 2013
Mar 11, 2013
Currency Exchange Loss:
Nov 17, 2013