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Oysara is a businesswoman who has been selling children's clothing since 2002. She started her business with a very small turnover, but over time she has expanded it. She got her first loan from Arvand in 2003. At present, her business is stable and her range of goods is larger. She is 38 years old, and unfortunately, she is a widow, so she supports her family on her own. She has 2 children, a son and a daughter. She works 30 days a month without any days off so that her children never want for money. Oysara is now seeking a loan to expand her business which will allow her to earn a larger profit. She is very grateful to Arvand.
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Ойсара предприниматель, занимается купля-продажей детской одежды с 2002 года. Она начала свой бизнес с очень маленького товарооборота, но со временем год за годом у нее бизнес расширился. Она начало кредитоваться в "Арванд" с 2003 года. На данный момент у нее бизнес стабильный, ассортимент товаров расширился. Ойсаре 38 лет, к сожалению она вдова, имеет двоих детей, сын и дочь. В семье доход приносящий человек она единственная. Поэтому она работает 30 дней в месяц без выходных, чтобы её дети не нуждались в денежных средствах. На данный момент Ойсара берет кредит для расширение своего бизнеса, чтобы получить больше прибыли. Она очень благодарн Арванду.

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
  • 216
    View loans »
    Tajikistan Loans Fundraising
  • $31,059,800
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Oysara to increase turnover.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Feb 25, 2013
Mar 24, 2013
Currency Exchange Loss:
Aug 18, 2013