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Dilorom is 36 years old and lives in Kanibadam. She is divorced and is raising her two sons alone. Dilorom now lives with her parents and her siblings - it's a big family of seven. She is the oldest daughter and not only graduated with distinction from high school, but also attended university. Unfortunately, she was not able to complete her degree as the family could not afford to pay tuition. Instead, since 2010 Dilorom has been managing a shop that sells household goods. Dilorom purchases her inventory in another city and has had some difficulties managing the store as she does not have much business experience. But she is determined to succeed as she knows there is no one else to rescue her except herself.

Currently Dilorom is renting a stall at the local market, but she has big plans for the future. She wants to purchase her own store, but currently lacks the savings for such a move. Her parents told Dilorom about Arvand/Kiva and she turned to the organization for a loan. She likes the lending terms and conditions for this organization. She is planning to use this loan to expand her inventory and increase profits. Dilorom is thankful to Kiva for financially supporting people during hard time.
View original language description ↓
Дилором женщина в возрасте 36 лет, проживает в городе Канибадам. Была замужем , после развода с супругом с ней остались двое сыновей,которых она одна воспитывает. Живет с родителями в одном доме. Семья большая, состоит из 7 человек. Дилором самая старшая дочь в семье. Дилором успешно закончила школу , затем она поступила в университет,но не смогла его окончить , так как возникли трудности с оплатой договора за университет. С 2010 года она занимается продажей хозтовароми. Закупает товар она с другого города, ей тяжело так как она имеет маленький опыт в сфере бизнеса. Но она ни на кого не надеется , так как руки помощи не от кого ждать.
На сегодняшний день она арендует помещение в центре рынка, но у нее большие планы на будущее. Она хочет приобрести свой магазин, но пока ей это не удается. От своих родных она узнала об организации Арванд. Обратилась в Арванд, где ей объяснили все условия получения кредита. Условия организации Арванд ей понравились и она согласилась получить кредит.
На полученный кредит она планирует расширить свой ассортимент хоз товаров и тем самым увеличить семейный доход. Дилором 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
  • 202
    View loans »
    Tajikistan Loans Fundraising
  • $31,078,575
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,100 helped Dilorom to purchase household goods for resale.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Apr 8, 2013
Apr 17, 2013
Currency Exchange Loss:
Aug 19, 2013