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Iroda is a hardworking, smart and sociable woman. She is 25 years old, married, and she has two adorable little girls. Iroda loves spending time with her daughters, and since they do not go to preschool, Iroda raises them by herself, teaches them how to draw, to do play-dough and recite nursery rhymes. Iroda herself has a secondary education.

Iroda's husband works as a master mechanic at a technical service station. Iroda and her husband have a very good relationship, they understand each other very well and always support each other.

In order to help her husband, and to bring some money home, Iroda has become involved in her own small business. She buys and sells children's clothing and shoes at the local clothing market. Thanks to this business, she makes quite a good income income, which constitutes the family's main source of revenue.

As an additional source of income for the family, Iroda and her husband also fatten a few head of cattle for future resale.

However, it is her clothing retail business that Iroda currently wants to develop. With the autumn season approaching, it is now time to sell fall clothing as well as children's school uniforms. For this reason, Iroda would like to increase her inventory and expand her business. She has turned to MDO Arvand and requested a loan to buy children's school clothes. She really hopes to get a positive result and thanks her lenders in advance for their support.
View original language description ↓
Ирода трудолюбивая, шустрая, общительная девушка. Ироде 25 лет и она замужем. Она имеет двух очаровательных дочерей. Ирода очень любит проводить время со своими дочурками. Хоть девочки и не ходят в детский садик, Ирода занимается их развитием самостоятельно, она учит их рисовать, лепить из пластелина, а также заучивать стихи. Сама Ирода имеет среднее образование. Муж Ироды работает мастером на станции технического обслуживания. Он и Ирода живут очень дружно, у них большое взаимопонимание и они всегда поддерживают друг друга. Чтобы помогать мужу зарабатывать деньги в дом, Ирода занимается своим малым бизнесом. Она занимается купле-продажей детской одежды и обуви на местном вещевом рынке района. Этот бизнес приносит ей хороший доход, этот доход является основным в семье. Также вместе с мужем они откармливают несколько скот для дальнейшей продажи. Это дело также приносит им дополнительный доход. Но Ирода хочет развивать свой бизнес продажи одежды. Сейчас сезон осенней одежды и школьной формы для детей. Поэтому Ирода хочет пополнить свой ассортимент и расширить бизнес. Она обратилась в Арванд и хочет получить кредит на закуп детской школьной одежды. Она очень надеется на положительный результат и заранее благодарит 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
  • 269
    View loans »
    Tajikistan Loans Fundraising
  • $31,830,925
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Iroda to buy clothes and shoes.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 6, 2013
Aug 30, 2013
Currency Exchange Loss:
Jan 17, 2015