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Ramzullo lives in the countryside, not too far away from the city. He's 33 years old, married and has three young children. Ramzullo's wife stays at home and looks after them.
Due to difficult financial circumstances, Ramzullo did not get to attend college after graduating high school. He was the oldest sibling and had an obligation to help his brothers get on their feet.
After he turned 28, Ramzullo began selling vegetable oil on a local market. He worked at this job for two years before, at his friend's advice, he switched to selling household goods and building materials such as plaster, paints, etc. He's been running this business for the past three years and has a good credit history.
Ramzullo is asking for a loan in order to acquire various household goods and thanks Arvand in advance for aiding people caught in difficult situations.
View original language description ↓
Рамзулло проживает в сельской местности , не далеко от города. Ему 33 года. Женат и имеет троих детей. Все дети дошкольного возраста. Супруга Рамзулло домохозяйка и занимается воспитанием детей. Сам Рамзулло из-за трудностей в финансовой сфере не пошел учиться после окончания школы. Он является старшим сыном в семье и ему нужно было помогать родителям поставить на ноги своих младших братьев. С двадцати восьми лет он начал продавать на рынке растительное масло. Этим бизнесом он занимался два года. Затем друзья и знакомые ему посоветовали заняться другим бизнесом. Вот уже три года он занимается торговлей хоз товарами и строительными материалами для отделки домов и квартир (лакокрасочные материалы, шпаклевка и т.д. ). На ровне со стажем в сфере бизнеса он кредитуется в МДО «Арванд» и имеет хорошую кредитную историю.
На полученный кредит Рамзулло хочет закупить хоз товары и заранее благодарит "Арванд", за то, что финансово помогают и поддерживают людей в трудный период их жизни.

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
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,300 helped Ramzullo to purchase household goods.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 28, 2013
Apr 11, 2013
Currency Exchange Loss:
Mar 17, 2014