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Odiljon is a 46-year old man with an optimistic, positive life outlook. He is married and has three children. He and his family live in the rural area. Odiljoin has graduated from the university with a degree in architecture. Now he works as an architect for his region’s administration. His wife is a homemaker: she is a good wife and caring mother. Every day she takes care of the household needs, takes care of the children and bringing them up. Odiljoin needs to work a lot in order to support his family. Sometimes he works late at night in order to finish his projects. Even though this work brings in a good income, this is insufficient to provide for all the family needs. He also would like to improve the house they live in. His house has been in use for many years, and is now in a bad condition and needs major renovations. But renovations require a lot of expenses and financial means. This is way Odiljon has applied to Arvand for a loan to buy construction materials to renovate his home. He is really hoping for a positive decision and also thanks Arvand in advance for its support.
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Одилджон жизнерадостный и позитивный мужчина в возрасте 46 лет. Он женат и имеет троих детей. Вместе со своей семьёй живёт в сельском районе. Одилджон закончил университет архитектуры, и получил специальность архитектора. И сейчас он работает архитектором в управлении своего района. Жена Одилджона домохозяйка, она хорошая жена и заботливая мама. Ежедневно она занимается домашними делами, ухаживает за детьми и воспитывает их по хорошим принципам. Одилджону приходится много работать, чтобы прокормить свою семью. Иногда он работает и ночами, заканчивает свои проекты. Хотя эта работа приносит ему хороший доход, но этих денежных средств не хватает, чтобы полностью удовлетворить все нужды семьи. Также Одилджон желает благоустроить свой дом, в котором они живут. Его дом служит ему уже много лет, и сейчас находится в неблагоприятном состоянии и нуждается в капитальном ремонте. Но ремонт дома требует больших расходов и денежных средств. Поэтому Одилджон обратился в Арванд и хочет получить кредит на покупку строительных материалов для ремонта дома. Он очень ждёт и надеется на положительный результат, а также заранее благодарит Арванд за поддержку.

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
  • 214
    View loans »
    Tajikistan Loans Fundraising
  • $31,059,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $2,000 helped Odiljon to buy building materials.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 23, 2013
Jul 5, 2013
Currency Exchange Loss:
Aug 4, 2013