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Muhabbat is an attractive woman with a positive outlook. She is 38 years old. She has two wonderful children: one girl and one boy. Muhabbat loves her children very much and always tries to spend time with them, even though she works and does not have much time. Muhabbat was born and grew up in Spitamen Region, in the family of white-collar workers. After finishing secondary school, Muhabbat has enrolled in a Teacher’s College. After finishing college, she used to work as a grammar school teacjer. She really enjoyed her profession. But thingshas turned out in such a way that her salary alone was not enough to support her family. Because of this, in 2003 she started working as a vendor at the regional clothing market. Muhabbat sells men’s clothing as there is good demand for it. Muhabbat has an optimistic attitude, does not let minor issues get her down, and always encourages others, spreading positive energy. During the summer season, Muhabbat would like to expand her selection, and she needs funds. This is why she applied to Arvand for a loan. Muhabbat would like to use her loan to stock up on men’s clothing.
Muhabbat thanks Arvand in advance for its important support.
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Мухаббат очень позитивная и интересная девушка.Ей 38 лет. Она мать двоих замечательных, прекрасных детей. У Мухаббат одна девочка и мальчик. Мухаббат очень любит детей и старается уделять время своим детям несмотря на то что работает и у неё мало времени для этого. Мухаббат родилаcь и выросла в Спитаменском районе в семье служащих. После окончания школы Мухаббат поступила в педагогический институт. После окончания института работала в школе преподавателем начальных классов. Она очень любила свою профессию. Но жизнь так сложилась, что одна зарfботная плата для обеспечения своей семьи не хватало. В связи с этим она с 2003 года начала заниматься торговлей на вещевом рынке района. Мухаббат продаёт мужскую одежду, так как спрос хороший. Мухаббат оптимистично смотрит на жизнь, не расстраивается по пустякам, под заряжает окружающих энергией, помогает поддерживать. В летний сезон Мухаббат хочет расширить ассортимент товара и ей необходимы для этого денежные средства. И по этому поводу она обратилась в организацию Арванд за кредитом. На полученный кредит Мухаббат хочет закупить мужскую одежду.
Мухаббат заранее благодарит организацию Арванд за большую 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
  • 254
    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 $425 helped Muhabbat to buy men's clothing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 21, 2013
Jun 6, 2013
Currency Exchange Loss:
Jun 17, 2014