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Umriniso is receiving a loan to expand her business. She is a pensioner and it is very difficult to find a job at her age. The children are all grown and have their own families who also need help, this is why Umriniso would herself like to find a way to survive and to help her children. She keeps several sheep in her home. Previously she had cows, but because Umriniso is elderly it was hard for her to raise large horned livestock. She decided to raise sheep. Umriniso also sells wool from the sheep and earns a small income from this.

Umriniso is saving money for her grandson's wedding. She would like to buy a dowry for her grandson. But for now she does not have enough money because she is trying to grow her sheep business.

Umriniso would like to use the loan to buy several sheep and hopes that her plans are realized.
View original language description ↓
Умринисо получает кредит для развития своего бизнеса. Она пенсионерка и работы для ее возраста найти очень трудно. Дети все выросли и имеют свои семьи которым тоже нужна помощь, поэтому Умринисо хочет сама найти пути выживания и помочь своим детям. Она содержит дома несколько овец . У нее раньше были коровы но так как Умринисо в возрасте ей приходилась трудно выращивать крупно рогатый скот. Она решила откармливать овец. Также Умринисо продает шерсть овец и имеет от этого небольшой доход.
Умринисо копит денежные средства на свадьбу внука. Хочет купить внуку приданное. Но пока ей не хватает денег поэтому она старается развивать бизнес по откорму овец.
На запрашиваемый кредит Умринисо хочет купить несколько овец и надеется,что ее планы осуществятся.

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
  • 205
    View loans »
    Tajikistan Loans Fundraising
  • $31,078,575
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,125 helped Umriniso to purchase livestock.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 1, 2013
Mar 12, 2013
Currency Exchange Loss:
Nov 17, 2013