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Update on Zebo

Zebo is an educated and intelligent woman. She is very positive and hard-working, married, and has three children. She works as a nurse in one of the local clinics. Her salary is not very large, and because of this she tries to economize when possible so that there will be enough money to cover basic family needs. Zebo's husband is in Russia for work; he drives a taxi. This year Zebo's son will start university - he wants to become a financier. Zebo really wants her son to receive a better education and become the best specialist in his field. Zebo and her husband earned money and tried to save for their children's education, but not long ago Zebo married off her oldest son, and had to spend everything they saved on that special occasion. But now Zebo has no savings. She therefore turned to Arvand and wants to receive a loan to pay for her son's education, especially since the cost of education has risen significantly. Zebo nonetheless believes and hopes that she can give her son the opportunity to study and receive a higher education. She also hopes for a positive result and thanks Arvand in advance for support.
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Зебо образованная и умная женщина. Она очень позитивная и трудолюбивая женщина, замужем и имеет 3 детей. Она работает медсестрой в одной из местных клиник. Зарплата, которую она получает не так велика, поэтому она старается как можно экономить. чтобы хватало денег на основные потребности семьи. Муж Зебо находится в России на заработках, он водит такси. В этом году сын Зебо поступает в университет, он хочет стать финансистом. Зебо очень хочет, чтобы её сын получил хорошее образование и стал лучшим специалистом своего дела. Зебо с мужем, зарабатывая деньги пытались копить деньги на образование своих детей. Но совсем недавно Зебо женила своего старшего сына. И пришлось потратить все накопления на это торжественное событие. Но сейчас Зебо не имеет накопленных средств. Поэтому она обратилась в Арванд и хочет получить кредит, чтобы оплатить обучение сына. Тем болле что сейчас стоимость на образование значительно повысилась. Но тем не менее Зебо верит и надеется, что сможет дать своему сыну возможность обучится и получить высшее образование. Она также надеется на положительный результат и заранее благодарит Арванд за поддержку.

Previous Loan Details

Zebo is a woman of the age of 41. She is married and has three children. She works at a medical center. The salary she receives is not even enough for living expenses. Her husband is in the Russian Federation, and he sends her money. This money goes only to living expenses. This year Zebo dec... More from Zebo's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Tajikistan

  • $2,700
    Average annual income
  • 266
    View loans »
    Tajikistan Loans Fundraising
  • $31,829,875
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Zebo to pay for study.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 19, 2013
Sep 3, 2013
Currency Exchange Loss:
Apr 16, 2014
This photo was used before for a previous loan for Zebo. It was first posted on Kiva on Mar, 2013. Learn More