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Inoyat is a friendly and optimistic 55-year old woman. She is married and the mother of two. Inoyat has turned to Arvand for financial support: she needs funds in order to stock up on seasonal merchandise. Inoyat has been running her own business for several years. She earns a decent stable income, which helps her to provide for her family’s needs. She sells children’s clothing. Her shop is located at one of the arcades of the central market. Soon the school year will begin and sales will go up, which is why she needs to replenish her stocks and buy children's clothing for school, in high demand now.
In addition, she has many competitors at the market, and needs to offer higher quality goods as compared to the goods of other vendors working in her vicinity. With this goal, Inoyat has applied to Arvand for a loan to buy children’s school clothing for later resale. She hopes for Arvand’s support in developing her business and thanks Arvand in advance for its financial support.
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Иноят доброжелательная и позитивная женщина в возрасте 55 лет. Она замужем и имеет 2 детей. Иноят обратилась в Арванд за финансовой поддержкой, ей необходимы деньги для покупки сезонного товара. Иноят вот уже несколько лет занимается собственным бизнесом. От этого бизнеса она получает стабильный хороший доход. Это помогает ей восполнять все нужды своей семьи. Она занимается продажей детской одежды. Её магазин находится в одном из районов центрального рынка. Скоро начнется учеба во всех школьных учреждениях, и начнется сезон торговли, поэтому сейчас ей необходимо пополнить ассортимент своего товара, закупить детскую школьную одежду, на которую спрос сейчас очень велик. Кроме этого у нее много конкурентов на этом рынке, и ей необходимо иметь лучше товар чем у ближайших продавцов. Для этого Иноят обратилась в Арванд и хочет получить кредит на покупку детской школьной одежды для дальнейшей продажи. Она надеется на поддержку от Арванд в развитии её бизнеса и заранее благодарит Арванд за предоставляемую финансовую 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
  • 211
    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 Inoyat to buy clothing.
Repayment Term
13 months (Additional Information)
Repayment Schedule
Aug 20, 2013
Aug 30, 2013
Currency Exchange Loss:
Sep 29, 2013