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Ummatoy lives in Kanibadam. She was born and grew up in a rural area. She is a young single mother. She got married early; after her son was born, her husband left the family and never came back. By now he has a new family and other children. Poor Ummatoy was left to raise her child alone. She returned to her parents, but that was hard on her as well. Yet one has to go on living, if just for the sake of the child; dreams of a happy family strengthened Ummatoy and gave her hope. At first she started working at the local collective farm, and worked the land from morning till night, sparing no effort. She was able to save some money and buy a dairy cow. She has been fattening this cow for a while; now her cow has gained weight and brings in over 10 liters of milk per day. Ummatoy sells the milk and buys items of first necessity for herself and her little son.

On her girlfriends’ advice, she reached out to Arvand for help. She would like to get more cattle. She needs funds for this, but does not have enough cash. Ummatoy plans to use her loan to buy cattle. She really hopes to save enough money in order to buy an apartment and live separately from her parents. She thanks Arvand in advance for its support.
View original language description ↓
Умматой жительница Канибадама. Родилась и выросла в сельской местности. Молодая женщина, мать одиночка. Рано вышла замуж, после рождении сына, муж ушел от них и больше не вернулся. У него уже другая семья и дети. А бедная Умматой осталась одна, с ребенком на руках. Вернулась к родителям, но и тут было не сладко. Но жить придется, только ради своего ребенка и мысли о счастливой семьи ей дали надежду и силу. Она поначалу пошла в местный колхоз, и с утра до вечера, не жалея себя работала в поле. За накопленные деньги она купила себе маленькую дойную корову. Немного откормила и сейчас ее корова стала большой, и дает ей в день более 10 литров молока. Продавая их, она покупает себе и своему сыночку ежедневные продукты.
По советам подруг она обратилась за помощью в Арванд. Она хочет увеличить поголовья своего скота. Для этого ей нужны деньги. А такой крупной суммы у нее на руках нет. На полученный кредит Умматой планирует купить скот. Она очень надеется что накопив денег сможет купить себе квартиру и жить отдельно от родителей. Заранее благодарит Арванд за 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
  • 257
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,475 helped Ummatoy to buy cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 9, 2013
May 26, 2013
Currency Exchange Loss:
Feb 17, 2014