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Odina lives in a rural area just outside of a city. She's married and has five children. Two are school-aged. Her spouse works building and repairing homes and only works seasonally. Odina herself worked for many years on a dairy farm. During the recent, worldwide crisis, her wages were at first withheld, and then she was laid off all together. She was one of the farm's best workers, sometimes milking up to one hundred liters. It was difficult for her to part with her cow, she had bonded with them. It was, however, inevitable.

She has quite a bit of experience with livestock. After she was laid off, she began breeding cows on her land. At first it was difficult, but with time, it became easier. Her older children help her with the work. Her neighbor told her about Arvand and she came in for a loan. With the funds, she will buy livestock. She is very grateful to Arvand for the support and she plans on further collaboration.
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Одина живет в сельской местности, не далеко от города. Замужем и имеет пятерых детей. Двое детей дошкольного возраста. Супруг занимается ремонтами и строительствами домов и работает он по сезону. Сама же Одина много лет проработала на ферме дояркой. Во время кризиса в мире так получилось, что сначала задерживали зарплату рабочим , а потом и совсем она попала под сокращение. Она была одна из передовиков на ферме. Бывало, что она в день доила коров до 100 литров молока. Ей тяжело было расставаться со скотом, она была привязана к нему. Но была вынуждена покинуть ферму. У нее большой опыт в сфере животноводства. После сокращения она начала разводить скот у себя дома. По началу было тяжко, но со временем она преодолели все трудности. По уходу за скотом ей помогают ее старшие дети. Через соседей она узнала про Арванд, обратилась за кредитом. На полученный кредит она приобретет скот. Она очень благодарна Арванду за поддержку и планирует дальнейшее сотрудничество.

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
  • 254
    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 $850 helped Odina to purchase livestock.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 12, 2013
Mar 25, 2013
Currency Exchange Loss:
Apr 16, 2014