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Azam is 42 years old and he is married with four children. He has been raising livestock for 20 years and he has much experience in this area. He buys cattle at the bazaar, feeds them for two or three months and then resells them for meat. He also supplements his income by raising crops on his two hectares of land. His elder son is a migrant worker in the Russian Federation and he sends money to his parents whenever possible. Azam's wife works on an orchard farm. Their main income is generated from the cattle raising, which is why Azam is trying to expand his business.

At the moment, Azam wants to purchase cows but he does not have enough cash in hand for this. He decided to apply for a loan from Arvand. Azam has big plans for the future; he dreams of being able to give his children a good education, which is why he works day and night to fulfill his plans. On receiving the loan, Azam plans to purchase livestock and increase the size of his herd.
View original language description ↓
Азам мужчина, в возрасте 42 лет, женат, имеет четверых детей. Он занимается откармливанием крупно рогатого скота в течении 20 лет, имеет большой опыт. Азам покупает крупно рогатый скот с базара, откармливает 3, 4 месяца и продает их мясникам. Кроме этого он дополнительно занимается выращиванием сельскохозяйственной продукции и имеет 2 га земли. Старший сын находится на заработках в Российской Федерации, и по возможности присылает деньги своим родителям. Жена работает в дехканском хозяйстве. У них в семье основной доход от выращивания скота, поэтому Азам старается развивать этот бизнес.
На данный момент Азам хочет приобрести скот но у него на руках нету достаточной суммы. Он решил подать заявку на кредит и обратился в организацию Арванд. У него очень большие планы на будущее, он мечтает обучить своих детей и дать им достойное образование, поэтому он работает день и ночь,чтобы осуществить свои планы.
На полученный кредит Азам хочет купить скот и увеличить стадо.

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
  • 255
    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 $850 helped Azam to buy cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 10, 2013
Jun 18, 2013
Currency Exchange Loss:
Feb 17, 2014