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Begimniso is a 34-year-old woman entrepreneur who buys and sells women's clothing at the central market of the Jabbor Rasulov region. She is married with three children - one son and two daughters. Her husband spends his summers working in the Russian Federation and he spends the rest of the time working on various odd jobs. To avoid relying solely on the income of her husband, Begimniso started her own business in 2000. Her business grew and she has now improved her living conditions considerably. During the time that she has been a borrower with Arvand, she has shown herself to be responsible and punctual. Now Begimniso plans on increasing her assortment of goods and she has again turned to Arvand. On receiving her loan, she wants to buy a summer assortment of clothes to increase her business.
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Бегимнисо, женшина в возрасте 34 лет, предприниматель, занимается купля продажей женской и детской одежды на центральном рынке Дж. Расуловского района. Она замужем, имеет троих детей, сына и две дочки. Муж летом ездит в РТ на заработки а в остальные времена года, работает в своем районе разнорабочим. Не надеясь только на доход своего мужа Бегимнисо начала свою деятельность в 2000 году. Она начала свое дело с 500tjs, было очень тяжело но с 2004 года Бегимнисо начала кредитоваться в Арванде и ее товарооборот постепенно увеличивался. Она намного улучшила свои условия проживания. За то время что Бегимнисо кредитовалась в Арванде она доказала свою ответственность и пунктуальность.
На данный момент Бегимнисо планирует увеличить свой ассортимент товара и в очередной раз обратилась в Арванд.
На полученный кредит она хочет закупить летний ассортимент товара и расширить свой бизнес.

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
  • 193
    View loans »
    Tajikistan Loans Fundraising
  • $31,808,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,950 helped Begimniso to buy a summer range of women's and children's clothing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 17, 2013
May 28, 2013
Currency Exchange Loss:
Mar 17, 2014