Update on NargizaNargiza is a young woman of 28 years. She is married and the mother of three children. Nargiza is a hardworking and cheerful woman. Nargiza's husband is working in the Russian Federation, and sends her money every month.
Nargiza is a seamstress. Since childhood she loved to sew and during the vacation she went to the dressmaker to study this craft. Nargiza sews national dresses. She has a great imagination. She draws styles and presents her customers with a choice. Her customers are satisfied that she is a punctual and accurate seamstress. Nargiza tries to finish sewing her customers' dresses within the specified time.
Despite a small income, Nargiza and her husband purchased a house and did work on it. In 2012 Nargiza took a loan from the organization Arvand, and for this money they built a kitchen and a bathroom. This way they improved their housing conditions. Her family was very happy, and currently Nargiza would like to take another loan and refurbish her house. For the loan received she plans to purchase building materials. Nargiza is very thankful to the organization Arvand for the support.
Previous Loan DetailsNargiza lives in the Spitamen district. She is 27 years old and has three children. She is involved in sewing national dresses. Nargiza is a very punctual and hardworking woman, and this is why she has many clients. Her husband works in the Russian Federation and has a permanent job there. H... More from Nargiza's previous loan »
About MDO ArvandMDO 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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Success!! The loan was 100% repaid