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Zulfunun is a 36 year old woman. She is a married mother of three beautiful children. Zulfunun was born and grew up in the countryside. She is a cheerful person, who is hardworking, and has many friends. Zulfunun is the kind of person who lends a helping hand. Her hobby is growing flowers. In 2007 Zulfunun began her business. She began to trade perfume. Despite the fact that all of her time was spent at the market, she tries to do housework. Zulfunun's husband is the head of the household. Her husband's work is seasonal and Zulfunun tries to help him every way she can. Zulfunun has been trading for six years already and knows the market economy well. Zulfunun studies what the market is looking for and what is in demand. After analyzing potential income she changes what she trades. At this time Zulfunun sells women's clothing. In the summer season she wants to multiply her assortment. But for this she does not have enough money so she applied for a loan from Avand. Zulfunun hopes for support and is thankful to Avand in advance.
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Зулфунун женщина 36 лет.Замужем мать троих прекрасных детей. Сама Зулфунун родилась и выросла в сельской местности. Зулфунун человек радостный, трудолюбивый и у неё очень много друзей. Зулфунун из тех числа людей которые протягивают руку тем которые нуждаются в помощи. Хобби Зулфунун ухаживание за цветами.
В 2007 году Зулфунун начала заниматься торговлей . Начала торговлю с парфюмерии. Несмотря на то что все её время уходило на рынке, она также старалась заниматься домашним хозяйством. Муж Зулфунун мастер. Это работа мужа сезонная и Зулфунун всячески старается помогать мужу. Зулфунун вот уже 6 лет как занимается торговлей и хорошо изучила рыночную экономику. Зулфунун изучает рынок смотрит какой и на что идёт спрос. Проанализировав доход меняет вид торговли. В данное время Зулфунун продаёт женскую одежду. В летний сезон она хочет приумножить ассортимент. Но для этого у неё недостаточно средств и в связи с этим она обратилась за кредитом в организацию Арванд. Зулфунун надеется на поддержку и заранее благодарит Арванд.

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
  • 235
    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 $1,275 helped Zulfunun to buy women's clothing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 12, 2013
Jun 23, 2013
Currency Exchange Loss:
Jan 17, 2014