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Feruza is a 37 year-old woman. She is married and a mother of three remarkable children. After finishing school, she did not go to a university due to a lack of opportunity. Feruza is a very hardworking and energetic young woman. Her husband is working in the Russian Federation. The husband's salary alone is not enough, and this is why Feruza decided not to stay at home and to help her husband. She decided to earn money independently. She opened her store, where she provides copy services, two years ago in the district center. Feruza attracted enough customers over these two years. Currently, she wants to expand and start providing computer services. In order to realize her plans, she has to purchase a computer, but does not have enough money for this. This is why Feruza requested a loan from the Arvand organization. Feruza expresses her gratitude to the Arvand organization for the provided help in advance.
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Феруза женщина в возрасте 37 лет. Феруза замужем, мать троих замечательных детей. После окончания средней школы, она не стала поступать в ВУЗ, так как для этого не было возможности. Фируза очень трудолюбивая и энергичная девушка. Муж Фирузы находится на заработках в РФ. Один заработок мужа не хватает и поэтому Фируза не стала сидеть дома и начала помогать своему мужу. Она решила самостоятельно зарабатывать деньги.
Два года назад в центре района она открыла свой магазинчик, где предоставляла услуги ксерокопии. За эти два года Фируза привлекла к себе достаточно клиентов.
В данный момент она хочет расшириться и открыть компьютерные услуги. Чтобы осуществить свои планы ей необходимо купить компьютер, но для этого у неё недостаточно денежных средств. По этому поводу Фируза обратилась за кредитом в организацию Арванд. Феруза заранее выражает свою благодарность организацию Арванд за оказанную помощь.

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
  • 210
    View loans »
    Tajikistan Loans Fundraising
  • $31,077,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Feruza to purchase a computer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 30, 2013
Jun 10, 2013
Currency Exchange Loss:
Jun 17, 2014