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Gulchehra is 40 years old, married, and has 3 children. A few years ago, she was working on a poultry farm and her husband was an electrician, but circumstances changed and they were both left unemployed. Her husband decided to get into fattening cattle because it could provide an income, albeit a modest one. At that time, their children were small and the family earnings were sufficient, but now the kids are older and finances are tight. Their dream is to build their own house since they are currently living with Gulchehra's parents-in-law, but as their children grow, it will be too crowded for all of them. Gulchehra does not want to sell their cattle as they bring in earnings that will allow a little work to begin on the house. This is why she is planning to purchase more cattle so that her husband can sell them for a larger profit in a few months' time. Gulchehra and her husband are really hoping for assistance from Kiva in the form of a loan that will help them to buy cattle.
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Гулчехре 40 лет, она замужем имеет 3 детей. Несколько лет назад Гулчехра работала на птицеферме, а муж электриком, но сложилась так что они оба остались без работы. Муж решил заняться откормом скота, так как это приносит хоть и небольшой доход. Тогда дети были малы и денег хватало, теперь когда дети выросли и в семейном бюджете всегда мало денег. Также они мечтают построить свой дом, так как они живут с родителями мужа Гулчехры и в будущем там будет мало места для их подрастающих детей. Гулчехра не хочет продавать скот, так как оно приносит доход, на который могут понемногу начать строительство дома. Для этого она планирует еще докупить скот, что бы муж мог продать по дороже через несколько месяцев. Гулчехра с мужем очень надеются на помощь КИВА, в получении кредита и покупки скота.

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
  • 263
    View loans »
    Tajikistan Loans Fundraising
  • $31,845,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Gulchehra to purchase livestock.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 1, 2013
Mar 24, 2013
Currency Exchange Loss:
Mar 17, 2014