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Saodat is a young and happy 30 year-old woman. She is not yet married and lives with her parents. She learned sewing clothing from her mother since young age. And now she can sew national clothing for women very well. She earns a living with this; her business is sewing various national women's clothing and curtains. Saodat is a master of her business and also has apprentices. She earns an income from sewing orders, and her apprentices also pay her some money for teaching them. Her family also has another income from her father, who works in Russia and sends money home every month. Currently, Saodat is getting ready for marriage and needs to repair the house, where they live, and to bring it to a good condition. However, she does not have enough money saved from her business. This is why Saodat came to Arvand and wants to obtain a loan to purchase construction materials to repair her house. She thanks Arvand for the support in advance.
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Саодат молодая и весёлая женщина в возрасте 30 лет. Она пока не замужем и живет со своими родителями. С юных лет она обучалась у своей матери шитью одежды. И сейчас она хорошо умеет шить национальную одежду для женщин. Этим она зарабатывает на жизнь, её бизнес заключается в том, что она занимается шитьем разных национальных женских одежд и занавесок. Саодат является уже мастером своего дело и у неё также есть свои ученицы. Доход она получает от своих заказов на шитьё, и также ей платят некоторую сумму её ученицы за то, что она их учит. В семье есть также дополнительный доход от отца, который работает в России и каждый месяц отправляет денежные средства. Сейчас Саодат готовится к своему замужеству и ей необходимо отремонтировать дом, в котором они живут, привести его в благоприятное состояние. Но ей не хватает денежных средств, которые уже она накопила от своего бизнеса. Поэтому Саодат обратилась в Арванд и хочет получить кредит, чтобы закупить строительные материалы на ремонт своего дома. Она 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Tajikistan

  • $2,700
    Average annual income
  • 204
    View loans »
    Tajikistan Loans Fundraising
  • $31,826,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,600 helped Saodat to purchase construction materials to repair her house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 3, 2013
Jul 8, 2013
Currency Exchange Loss:
Jan 17, 2015