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Inoyat is a hardworking and modest woman. She is working hard every day to feed her family. Inoyat sells women's clothing on the market, her vendor space is located on the central market and she sells on small area. Unfortunately her daughter has come back with a child after an unsuccessful marriage and lives with Inoyat. But Inoyat hopes for the better and plans to save enough money to buy her an apartment in a few years so she can live there with her child.

Inoyat sells on the market, but the profit is not enough to make her plans come to reality. That's why she has come to Arvand to increase her sales volume and by that increase her capital. She wants to buy women's summer clothing using the loan. She is thanking Arvand for the support and hopes for further cooperation in growing of her business.
View original language description ↓
Иноят трудолюбивая и скромная женщина. Она изо дня в день трудиться чтобы прокормить свою семью. Иноят торгует на рынке женской одеждой, ее лавка находиться на центральном рынке, торгует на небольшом участке. К сожалению ее дочь после неудачного брака вернулась к матери с ребенком и живет с Иноят. Но Иноят надеется на лучшее, она планирует накопить денежных средств и купить ей через несколько лет квартиру, чтобы она там жила со своим ребенком.
Иноят торгует на рынке , но получаемая прибыль не достаточна для осуществления ее планов. Для этого она обратилась в Арванд, чтобы увеличить свой товарооборот, тем самым увеличивая свой капитал. Она хочет на полученный кредит приобрести летний товар женской одежды. Она всячески благодарит за поддержку Арванд и надеется на дальнейшее сотрудничество для развития своего дела.

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
  • 263
    View loans »
    Tajikistan Loans Fundraising
  • $31,845,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Inoyat to buy women's clothing.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 26, 2013
Jul 22, 2013
Currency Exchange Loss:
Nov 17, 2013