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Munis is 30 years old, married, and has 2 small children. His main activity consists of selling candies and various sweets. He started his business by selling a variety of confectionery goods. Munis buys his products in bulk in another city. His retail spot is located close to his home, and since it is also near the central market, Munis has many regular customers. Munis's wife Mahbuba takes care of their small children and runs the household. In time, when the children are older, she will help her husband with his business.

Munis starts work early in the morning when customers arrive from other regions of the city to make bulk purchases. Munis earned his clients' trust with his positive qualities such as honesty, decency, hard work and friendly demeanour. Presently, he would like to expand his business and to use this loan to purchase candies and other sweets. He thanks MDO Arvand, LLC for their financial support.
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Мунису 30 лет, женат, имеет 2 маленьких детей. Его основной деятельностью является торговля конфетами и разными сладостями. Свою деятельность начал с реализации разных кондитерских изделий. Товар покупает оптом с другого города. Он торгует не далеко от дома, так как место расположения рядом с центральным рынком и у него много постоянных клиентов. Работа у Муниса начинается с раннего утра, приезжают покупатели с других районов для покупки товара оптом. Доверие клиентов он получил своими хорошими качествами такими как честность, добропорядочность, трудолюбивость, общительность. Супруга Махбуба присматривает за маленькими детьми и ведет хозяйство. Со временем когда дети немного подрастят, Махбуба будет помогать супругу в ведении торговли. Мунис хочет расширить свой бизнес, получив кредит он хочет закупить конфет и других сладостей. Он выражает свою благодарность организации Арванд за финансовую поддержку.

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
  • 229
    View loans »
    Tajikistan Loans Fundraising
  • $31,826,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,500 helped Munis to buy sweets.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 8, 2013
May 25, 2013
Currency Exchange Loss:
Sep 22, 2014