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Yulduz was born in the Spitamen area. She is 25 years old and is not married. Yulduz is a cheerful, happy young woman. Yulduz became interested in the English language in school. After finishing school Yulduz entered college to study foreign languages. In the family there are two children, Yulduz and her brother who also studies at university. Yulduz's mother is a homemaker, her father is a migrant laborer in the Russian Federation. Yulduz works in her chosen field, teaching children English in her home. She is a tutor.

Yulduz's mother needs treatment as she is older and has health problems. Showing her love for her mother, Yulduz would like to pay for her mother's treatment. She applied for a loan after learning from acquaintances about Arvand. Yulduz plans to use her loan to purchase all the necessary medicines. Yulduz is grateful to MDO Arvand for its assistance.
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Юлдуз родилась в Спитаменском районе. Ей 25 лет, не замужем. Юлдуз очень жизнерадостная, весёлая девушка. Со школьных лет Юлдуз интересовалась английским языком. После окончания школы Юлдуз поступила в ВУЗ на факультет иностранных языков. В семье их двое Юлдуз и её братишка, который тоже учится в университете. Мать Юлдуз домохозяйка, а отец является мигрантом в РФ. Юлдуз занимается своей любимой профессией, обучает детей английскому языку у себя дома. Она репетитор.
Матери Юлдуз необходимо лечение так как она в возрасте и со здоровьем у нее проблемы. Проявляя свою любовь к матери, Юлдуз сама хочет оплатить за лечение своей матери. Узнав у знакомых об организации Арванд Юлдуз обратилась за кредитом. На полученный кредит Юлдуз хочет купить все необходимые медикаменты. Юлдуз выражает свою благодарность организии МДО "Арванд" за содействие.

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
  • 211
    View loans »
    Tajikistan Loans Fundraising
  • $32,074,750
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Yulduz to purchase medicines for her mother.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 29, 2013
Jun 5, 2013
Currency Exchange Loss:
Nov 17, 2013