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Nargiza is a skilled salesperson. She is able to attract customers to her merchandise. She has ten years of experience in the retail field and was able to learn all of the nuances of buying and selling merchandise during this time. Her merchandise consists of shoes - a lot of shoes and galoshes. According to Nargiza's own words, now is the season for selling summer slippers and she has to update her merchandise often and quickly. And truly, when coming to her store, one could not look at her merchandise in detail because there were a lot of customers (but it is necessary to point out that not all who looked were buying shoes). According to Nargiza's words, the secret to such a number of clients and sales is in the prices of her goods. She brings in shoes and galoshes herself and this is why sells them slightly cheaper than others. Nargiza does not have a higher education, but handles business affairs perfectly. She has three loving children. Her husband helps her with the sales business. The children attend a school and a university. Due to the season, Nargiza needs additional money. She does not want to miss out on the "golden" time and brings in merchandise while there is high demand for it, but does not have available funds. She came to MDO "Arvand" for a loan with this goal in mind. She is grateful in advance for the help and assistance in advancing her business.
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Наргиза умелый продавец. Она умеет привлекать клиентов на свой товар. У неё десять лет опыта в сфере торговли и за это время сумела научиться всем тонкостям купли продажи товаров. Её товар состоит из обуви – масса обуви и галош. По словам самой Наргизы, данный момент сезон продажи летных тапочек и ей приходится часто и быстро обновить свой товар. И действительно, когда подошла к её лавке, не смогла толком посмотреть на её товар, так как там было полно покупателей (но нужно подчеркнуть, что не все кто смотрели, покупали обувь). По словам Наргизы секрет такого числа клиентов и продаж заключается в цене её товаров. Она привозит обувь и галоши сама, поэтому и продаёт их, немного дешевле остальных. Наргиза не имеет высшее образование, но отлично справляется с делами в бизнес - сфере. Имеет троих любящих детей. Муж помогает в деле торговли. Дети учатся в школе и университете. В связи с сезонностью Наргиза нуждается в дополнительных деньгах. Желает не упустить «золотое» время и привозит товар, пока имеется большой спрос на них. Но не имеет свободных денег. С этой целью обратилась в ООО МДО «Арванд» за кредитом. Заранее благодарить за помощь и содействие в продвижении её дела.

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
  • 240
    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 $1,200 helped Nargiza to buy seasonal merchandise.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 26, 2013
May 21, 2013
Currency Exchange Loss:
Feb 17, 2014