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Uktam is a cheerful and good-natured 41-year-old man. He was married, but has been divorced from his wife for a long time. Uktam has two children that stayed to live with him after the divorce. Since then, he has had to raise and care for his children on his own. He loves them very much and does everything so that they live in dignity.

To earn a living, he operates his own business. Because he lives in the countryside, he is mostly involved in animal husbandry. Uktam raises cattle and sells them in the market, and also sells milk from his cattle. This business provides him with a normal, stable income. Uktam also works in construction, but it is seasonal work that provides him additional income in the spring and the summer. Now, Uktam wants to increase his stock of cattle to earn more income from their subsequent sale. He applied to Arvand and hopes to receive a loan to buy a cow. Uktam thanks Arvand in advance for their support.
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Уктам жизнерадостный и добродушный мужчина в возрасте 41 года. Он был женат, но уже давно разведён со своей женой. Уктам имеет двоих детей, которые при разводе остались жить с ним. С тех пор ему приходится самому растить и ухаживать за своими детьми. Он очень любит их и делает всё для того, чтобы они жили достойно. Чтобы зарабатывать на жизнь, он занимается своим бизнесом. Так как он живёт в сельской местности, в основном он занимается животноводством. Уктам откармливает скот и продаёт на базаре, а также продаёт молоко, полученное от этого скота. Этот бизнес приносит ему нормальный стабильный доход. Также Уктам работает на стройке, но это сезонная работа, особенно весной и летом эта работа приносит дополнительный заработок. Но сейчас Уктам хочет увеличить поголовье своего скота, чтобы иметь больше дохода от дальнейшей их продажи. Поэтому он обратился в Арванд и желает получить кредит для покупки скота. Уктам 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
  • 265
    View loans »
    Tajikistan Loans Fundraising
  • $31,829,875
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $50 helped Uktam to buy a cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 10, 2013
Jun 8, 2013
Currency Exchange Loss:
Jun 17, 2014