Check out some available loans that are similar to this one!
Hosiyat was born in 1989, she is married and has two children. Hosiyat does not have higher education at this time, but she has enrolled in the Pedagogical Institute and simultaneously works in the school. She has a small salary and it's not enough to get by. Her husband went to Russia to find work because of difficulties in finding a job in town. Their family is very young and they are experiencing hardship. They try to be in high spirits because being despond will not change anything in life. Because of the cold winter Hosiyat has come to MDO Arvand for a loan. She used it to buy an oven. This is her main heating supply at home. She is very thankful to this organization for the support in the hard times.
View original language description ↓
Хосият женщина 1989 года рождения, замужем и имеет двоих детей. Хосият не имеет высшего образования на данный момент, но на данный момент поступила в педагогический институт , параллельно работает в школе. Зарплата у нее небольшая, ее почти не хватает на жизнь. Супруг из-за трудностей с работой в городе поехал в Россию на заработки. Семья очень молодая и они испытывают трудности. Они стараются не унывать , так как это ничего не изменит в жизни. Из-за холодной зимы Хосият обратилась в МДО «Арванд» за кредитом. На полученный кредит она приобрела печку. Это ее основной обогрев в доме. Она очень благодарно нашей организации за поддержку в трудную минуту.

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
  • 198
    View loans »
    Tajikistan Loans Fundraising
  • $31,826,550
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Hosiayt to purchase of electrical oven.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 7, 2013
Mar 22, 2013
Currency Exchange Loss:
Feb 17, 2014