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Mahmudhuja lives in a rural village called Isfara. He's thirty years old, married and has three children. He was not able to receive a higher education since his family has dealt with financial hardship since his childhood. After he finished school, he began working with an acquaintance who worked baking cakes. Initially, he worked a supplier, buying flour, oil, and other necessary ingredients for cakes. His mentor saw that Mahmudhuja had a desire work together so he invited him to do so. Mahmudhuja didn't refuse the offer. He was very happy to be able to increase his family's income. After some time working together, Mahmudhuja rented a building from which to sell their goods. This was difficult since he was required to use his initial capital on rent. However, he was not discouraged and tried to work from morning until late into the night. Today, his cakes are in high demand. Mahmudhuja has turned to Arvand for a loan in order to buy more of the raw ingredients he needs to increase his production. He is grateful to Arvand for the financial support and understanding.
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Мухмудхуча, проживает в г.Исфара в сельской местности. Женат и имеет троих детей. Ему 30 лет. По семейным обстоятельствам Махмудхуча не смог получить высшее образование, так как с самого детства в его семье были трудности в сфере финансов. После окончания школы, он пошел помогать своему знакомому по выпечки лепешек. Сначала был снабженцем, закупал муку, масло и другие необходимое сырье для лепешек. Его наставник (учитель) увидел в нем желание работать совместно. Он предложил ему это, Махмудхуча не отказался. Он был очень рад, что хоть как-то сможет приносить свой доход в семью. Спустя время совместной работы Махмудхуча снял помещение в аренду для выпечки лепешек. Было тяжело, так как первоначальный капитал он потратил на аренду помещения. Но он не унывал, старался работать с утра до глубокой ночи. На сегодняшний день его лепешки пользуются большим спросом. Маухмудхуча обратился в МДО «Арванд» за кредитом, на полученный кредит он собирается купить сырье для лепешек и тем самым увеличить количество выпекаемых лепешек. Он очень благодарен организации Арванд за финансовую поддержку и понимание.

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
  • 252
    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 $425 helped Mahmudhuja to purchase ingredients for baking.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 19, 2013
Mar 23, 2013
Currency Exchange Loss:
Mar 17, 2014