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Bunafsha is a young and joyful 27-year-old woman. She is married and has two beautiful children. She lives in a small village. Her children study at a local school, they are good students, and Bunafsha dreams that they will receive a good education and have a good future. Because of this, she works tirelessly. Bunafsha works as a teacher in a middle school in her village. However, a teacher's pay is very low and she barely has enough to live on. Her husband brings the family additional income. He is working in Russia as a construction worker. Every month, he sends whatever money he can send to Bunafsha. The house in which Bunafsha and her family live is very old and in need of repair. This house was built a very long time ago, and is currently in poor condition. Bunafsha and her husband dream of having a home in better condition. They have thought about it for a long time, and have decided to take out a loan to repair the house. Because of this, Bunafsha has turned to Avrand and is going to take out a loan to purchase building materials to repair her home. She believes in and hopes for support, and thanks Avrand in advance.
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Бунафша молодая и жизнерадостная девушка в возрасте 27 лет. Она замужем и имеет двух красивых деток. Живёт она в небольшом посёлке. Её дети учатся в местной школе, учатся они хорошо и Бунафша мечтает, чтобы её дети получили хорошее образование и у них было хорошее будущее. Для этого она работает не покладая рук. Сама Бунафша работает учительницей в средней школе своего посёлка. Но зарплата учительницы очень мала, и её едва хватает на проживание. Дополнительный заработок приносит в семью муж. Он находится в России на заработках, работает там строителем. Он каждый месяц по возможности отправляет денежные средства Бунафше. Дом, в котором живёт Бунафша и её семья очень старый и нуждается в ремонте. Этот дом был построен совсем давно и на сегодняшний день находится в плохом состоянии. Но Бунафша с мужем мечтают иметь дом с лучшими условиями. Они долго думали и решились взять кредит на ремонт дома. Поэтому Бунафша обратилась в Арванд и собирается взять кредит на покупку строительных материалов для ремонта своего дома. Она верит и 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
  • 268
    View loans »
    Tajikistan Loans Fundraising
  • $31,829,875
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
A loan of $1,825 helped Bunafsha to buy building materials.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 23, 2013
Jun 30, 2013
Currency Exchange Loss:
Jul 30, 2013