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Surayo is a woman of 45 years. She is a widow; unfortunately, she lost her husband a few years ago and was left alone with her daughter. Her daughter goes to college. Surayo herself works in one of the dining rooms in her village. It is very difficult for her but she does not give up and is trying to do everything so that her daughter will not need for anything. As Surayo says, "I live for my daughter."

Surayo earns very little, but she is also engaged in fattening cattle at her home. She gets a good profit from this business.

Surayo has long wanted to renovate the house and especially her daughter's room, and with this goal she turned to Arvand for a loan. Surayo plans to use the loan to buy construction materials and to update her daughter's bedroom.
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Сурайё женщина в возрасте 45 лет. Она вдова, к большому сожалению она потеряла мужа несколько лет тому назад, и осталась одна с дочкой. Ее дочка учится в ВУЗ-е.(студентка). Сама Сурайе работает в одной из столовой своего села. Ей очень трудно одной но она не унывает и старается делать все чтобы ее дочка не нуждалась не в чем. Как говорит Сурайе "я живу ради своей дочки" .
Сурайе зарабатывает очень мало. Но она также дома занимается откормом скота. От этого бизнеса она получает хорошую прибыль.
Сурайе давно хотела отремонтировать свой дом и особенно комнату своей дочери и с этой целю она обратилась в Арванд чтобы получить кредит. На полученный кредит Сурайе планирует купить строительные материалы и обновить комнату дочери.

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
  • 212
    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 $650 helped Surayo to buy building materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 18, 2013
Apr 12, 2013
Currency Exchange Loss:
Apr 16, 2014