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Markhabo is a very diligent and punctual woman who lives in a rural section of J. Rasulov. She is 48 years old, and has three children — two sons and one daughter. Sadly Markhabo's husband died several years ago, and she has been forced to become both mother and father to her children. Her sons have gone to Russia for work, and they try to send her as much money as possible. For several years, Markhabo has been working raising and fattening cattle. She buys young calves, fattens them, and then sells them for meat. Since she no longer bears the heavy responsibility of looking after the children, she has gotten a second job working the night shift in a home for the disabled. Her daughter helps her with raising the cattle. Things are very difficult for Markhabo without her husband, but she lives for the sake of her children and doesn't lose heart. Soon her sons will come home from abroad and she will marry them off, and has saved up money for this. Markhabo has decided to take out a loan and buy a cow to expand her business. Hopefully she will receive financial support at Arvand.
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Мархабо женщина очень старательная и пунктуальная, живет в сельской местности ДЖ. Расуловского района. Ей 48 лет, имеет троих детей. Двоих сыновей, и одну дочку. К великому сожалению муж Мархабо умер несколько лет тому назад и ей пришлось стать для детей, и отцом и матерью. Ее сыновья уехали на заработки в РТ и стараются по возможности присылать ей деньги.
Мархабо занимается откармливанием крупно рогатого скота уже несколько лет. Она покупает молодых телят и откормив продает их мясникам. Так как на нее возлагалась большая ответственность перед детьми, кроме откорма скота она пошла работать в дом инвалидов. Там она работает в ночную смену. Ее дочка помогает ей в откармливании скота. Мархабо очень тяжело без мужа, но она живет ради своих детей и не падает духом. Скоро ее сыновья вернутся с чужой страны и она женит их,для этого она копит денежные средства.
Мархабо решила получить кредит и купить скот для расширение своего бизнеса. Надеется,что ее поддержат в Арванде в финансовом вопросе

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
  • 247
    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 $1,275 helped Marhabo to buy a cow.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 19, 2013
Feb 25, 2013
Currency Exchange Loss:
Dec 17, 2013