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Zulfiniso is a happy mother to two wonderful children. She is divorced - unfortunately, several years ago, her husband divorced her and left her alone with two children. It was very difficult for Zulfiniso to raise her children by herself, but she tried to do everything to become both their father and their mother, so that her children would not feel the absence of a father. Of course, Zulfiniso herself feels lonely and abandoned, but she tries not to let her children know this. Her children are very caring and help their mother. Zulfiniso works in one of the restaurants in her town. She is a cook, and prepares very delicious and exceptional dishes. Zulfiniso is a very responsible and good worker, and she is loved and valued as a good and professional chef. She likes her job very much and she has achieved a lot in three years. Now, Zulfiniso plans to repair her house, because it has been a long time since it was repaired.
Her home is in very poor condition, and is in need of renovation. With this goal, Zulfiniso has turned to Avrand in order to receive a loan to purchase building materials.
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Зульфинисо счастливая мать двух прекрасных детей. Она разведена, к сожалению несколько лет тому назад муж развелся с ней оставив ее одну с двумя детьми. Зульфинисо было очень трудно одной растить и воспитывать своих детей но она старалась делать все чтобы стать для них и отцом и матерью, чтобы дети не чувствовали отсутствие отца. Зульфинисо конечно же сама чувствует себя одинокой и брошенной но старается этого не показывать своим детям. Ее дети очень заботливые и помогают своей матери. Зульфинисо работает в одном из ресторанов своего города. Она повар, и готовить очень вкусные и не обычные блюда. Зульфинисо очень ответственный и хороший работник,ее очень все любят и ценят как профессионального и хорошего повара. Ее работа ей очень нравиться и за три года работы она достигла очень многого.
На данный момент Зульфинисо планирует отремонтировать свой дом так как давно не ремонтировала. Ее дом в очень плохом состоянии и нуждается в обновлении. С этой целю Зульфинисо обратилась в организацию Арванд чтобы получить кредит и купить строительные материалы.

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
  • 243
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
A loan of $850 helped Zulfiniso to buy building materials.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 10, 2013
Jun 30, 2013
Currency Exchange Loss:
Jul 30, 2013