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Mahram is an older woman, 63 years of age. She is a widow. She has two grown sons and one daughter. Her sons are currently outside Tajikistan; they are migrant workers in Russia. Every month their send some money to support their mother. Mahram’s daughter lives separately with her husband. As to Mahram, she lives in her home together with her daughters-in-law and grandchildren. The grandchildren are growing, and the expenditures to cover their needs are increasing too. Even though Mahram's sons send some money, this is not enough to provide for all family needs. Therefore Mahram runs her own small business. She buys and resells fruits and vegetables. Mahram gets up early in the morning and buys vegetables or fruits at the wholesale market and then resells them at the central market of their region. She puts some of the money aside and spend the rest to buy food for her family. Her two daughters-in-law do not remain idle, either: one of them sews custom-made dresses, and the other sells homemade noodles to local cafeterias. At present it is the season to make household purchases, which is why the demand for vegetables and fruits is increasing. Therefore Mahram would like to expand her stock and earn larger revenues for her family. Mahram has applied to Arvand for a loan to stock up on various vegetables and fruits. She thanks Arvand for its financial support.
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Махрам пожилая женщина в возрасте 63 лет. Она вдова. Имеет двух взрослых сыновей и одну дочь. Сыновья находятся за пределами Таджикистана, они выехали на заработки в Россию. Каждый месяц они присылают деньги своей матери на проживание. Дочь живет отдельно со своим мужем. А Махрам живет в своём доме с невестками и внуками. Внуки растут и расходы на нужды увеличиваются. Несмотря на то, что сыновья высылают деньги на проживание, их недостаточно для удовлетворения всех нужд семьи. Поэтому Махрам занимается своим маленьким бизнесом. Она покупает и продаёт овощи и фрукты. Махрам встает рано утром и покупает на оптовом рынке овощи или фрукты и перепродает их на центральном рынке своего района. От полученной выручки она откладывает необходимую сумму, а остальное тратит на покупку продуктов питания семье. Двое невесток тоже без дела не сидят, одна шьет на заказ платья дома, а другая реализует лапшу домашнего приготовления для местных столовых. Сейчас начался сезон для домашних закруток, поэтому спрос на овощи и фрукты увеличивается. В связи с этим Махрам хочет увеличить ассортимент своего товара, чтобы получить больше прибыли для своей семьи. Махрам обратилась в Арванд и хочет получить кредит для закупа различных овощей и фруктов. Она благодарна за финансовую поддержку организации «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
  • 206
    View loans »
    Tajikistan Loans Fundraising
  • $32,074,750
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Mahram to buy vegetables and fruits.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 28, 2013
Jun 30, 2013
Currency Exchange Loss:
Jul 17, 2014