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Zebo is a 50 year old woman. She lives in the city of Konibodom. She was married, but unfortunately her husband passed away several years ago. Zebo has two children. She faces great hardship as she bears all the responsibility for her children and herself, but she does not get discouraged, and she works tirelessly. Zebo has a higher education, but does not work in her area of expertise since she cannot support her children on one salary. She works in sales of dried fruit, a business she has been in for the past 15 years. She buys goods in another city. This is her sole source of income. Her children help her when they are not in school. On the advice of friends, Zebo decided to apply for a loan, and turned to Arvand. She plans to use the loan to buy dried fruit from a different city and sell it at a higher price. She very much hopes that this loan will help her expand her business and adequately support her children.
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Зебо женщина в возрасте 50 лет. Проживает в г.Конибадаме. Она была замужем,к сожалению несколько лет тому назад ее муж скончался. У Зебо двое детей. Ей приходится очень тяжело так как вся ответственность перед детьми на ней, но она не унывает и трудится не покладая рук. Зебо имеет высшее образование, но не работает по специальности, так как на одну зарплату она не сможет поднять детей на ноги. Она занимается купле-продажей сухофруктов. Этой деятельностью она занимается уже на протяжении пятнадцати лет. Товар она закупает в другом городе. Это ее основной и единственный доход. Ее дети в свободное от учебы время помогают ей. По совету своих знакомых Зебо решила подать заявку на кредит и обратилась в Арванд. На полученный кредит она планирует закупить сухофруктов с другого города и продавать по дороже. Очень надеется, что с помощью этого кредита сможет расширить свой бизнес и достойно поднять своих детей.

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
  • 242
    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 $650 helped Zebo to buy dried fruits.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 20, 2013
Mar 17, 2013
Currency Exchange Loss:
Jan 17, 2014