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Zebo is a woman of the age of 41. She is married and has three children. She works at a medical center. The salary she receives is not even enough for living expenses. Her husband is in the Russian Federation, and he sends her money. This money goes only to living expenses.

This year Zebo decided to marry her son away, but for this she needs to make repairs to her house. She does not yet have a large enough sum of money to refurbish her house. Therefore she turned to "Arvand" for a loan, in order to get financial support.
View original language description ↓
Зебо женщина в возрасте 41 лет, замужем имеет 3 детей. Она работает в медицинском учреждении. Получаемая заработная плата, не хватает даже на проживание. Ее муж находиться в Российской Федерации, и присылает ей деньги, эти присылаемые деньги уходят только на проживание.
В этом году Зебо собирается женить своего сына, но для этого ей необходимо сделать ремонт дома. У нее нет такой большой суммы чтобы отремонтировать свой дом. Поэтому она обратилась в Арванд за кредитом, чтобы получить 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
  • 234
    View loans »
    Tajikistan Loans Fundraising
  • $32,063,325
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Zebo to purchase building materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 21, 2013
Mar 4, 2013
Currency Exchange Loss:
Sep 17, 2013