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Gulnora is a middle-aged woman. She born and raised in the city of Isfara in Tajikistan. She's married, has two children, and makes a living by selling women's clothing on the local market.

After finishing school, Gulnora attended a local college studying to become a teacher. Upon graduation, she started working in a local kindergarten. During that time, her children were small, and Gulnora's income was sufficient to support them. However, her children have grown now and, therefore, so have the expenses. Gulnora decided to supplement her income by becoming a saleswoman and selling women's clothing on the market. She gradually learned the nuances of the trade and then started importing the products herself.

Gulnora has worked with Arvand since 2010. Thanks to the latter's assistance, she was able to open and later expand her own salespoint. Currently, Gulnora is planning to purchase an assortment of products and has turned to Arvand for help. She's very grateful and thanks you in advance.
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Гулнора женщина среднего возраста. Родилась и выросла в городе Исфаре. Замужем и имеет двоих детей. Занимается продажей женской одежды, на местном рынке. После окончания школы, она поступила в местный педагогический колледж,и сразу после окончания начала работать в детском саду своего города. Тогда ее дети были маленькие и заработной платы хватало, но теперь ее дети выросли и расходов стало больше. Гулнора решила заняться своим бизнесом. Она стала торговать женской одеждой. Сначала она была продавщицей постепенно когда научилась,стала сама привозить товар. С 2010 года Гулнора сотрудничает с организацией Арванд. Благодаря Арванду она самостоятельно открыла точку и намного расширила свой бизнес.
На данный момент Гулнора планирует закупить новый ассортимент товара женской одежды и снова с надеждой обратилась в Арванд. Гулнора очень признательна этой организации и заранее благодарит.

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
  • 226
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
A loan of $1,700 helped Gulnora to buy women's clothing.
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jun 11, 2013
Jun 28, 2013
Currency Exchange Loss:
Jul 28, 2013