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Dilafruz is receiving a loan for business development. She is a housewife; because of her age it is very hard to find work. Her children are all grown and she would like to help them obtain a good education. Her husband left to work in Russia, so Dilafruz wants to find her own way to provide for herself and help her children.

She raises several sheep and a cow at her house, which earns her a small income. Earlier she only raised cows but this takes a lot of time and work. Since cows take a long time to raise for sale, she also raises sheep, which earn her a profit sooner. She also sells wool. Dilafruz is saving for her sons' education. She is thankful that her dream is becoming reality with the support of Arvand.
View original language description ↓
Дилафруз получает кредит для развития своего бизнеса. Она домохозяйка и работы для ее возраста найти очень трудно. Дети все выросли и она хочет дать им хорошее образование, ее муж уехал на заработки в Российскую Федерацию, поэтому Дилафруз хочет сама найти пути выживания и помочь своим детям.
Она содержит дома несколько овец и корову и от них она имеет небольшой доход. Раньше она занималась только откормом коров но для этого требовалось много времени и труда, крупно рогатый скот долго выдерживается для продажи, поэтому она занялась также откормом овец чтобы быстрее получать хоть какой то доход, также она продает шерсть овец. Дилафруз копит на обучение сыновей, очень благодарна, что ее мечта превратиться в реальность с поддержкой Арванд.

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
  • 213
    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 $550 helped Dilafruz to buy cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 14, 2013
Apr 2, 2013
Currency Exchange Loss:
Sep 17, 2013