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Bakhtiyor is a positive and energetic 48 year old man. He is married and has four children. He loves his family very much, especially his children. Bakhtiyor is proud of his children and does everything to make sure that they grow and develop on par with other kids. Bakhtiyor's two older daughters have already married, but his son and one more daughter still live at home. The family lives separate from Bakhtiyor's parents, in their own house. Bakhtiyor has been working with Arvand for seven years and has taken out loans for personal reasons. He is a dependable client who always repays his debt on time. Bakhtiyor works as a driver and earns additional profits from this business, but his primary occupation is raising livestock. He loves working with animals and has learned how to grow and take care of livestock in his youth from his father. Currently, Bakhtiyor owns several heads of cattle but he wants to expand and purchase a few more animals, so that he can better provide for his family. He has turned to Arvand for a loan which he will use to purchase cattle and expand his business.
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Бахтиёр позитивный и жизнерадостный мужчина в возрасте 48 лет. Он женат и имеет четверо детей. Он очень любит свою семью, особенно своих детей. Он гордится своими детьми и делает всё возможное для них, чтобы они росли и развивались, как и другие дети. Двоих старших дочерей Бахтиёр уже отдал замуж, а сын и ещё одна дочка сейчас живут пока в родительском доме вместе с ними. Бахтиёр живёт со своей семьёй отдельно от своих родителей, в своём собственном доме. Уже более 7 лет Бахтиёр сотрудничает с Арванд, он получал кредит на удовлетворение личных нужд. Также он является добросовестным клиентом, так как ответственно и своевременно производит погашение. Сам Бахтиёр работает водителем, от этого дела у него есть дополнительный доход. Но своё основное время он тратит на развитие своего бизнеса- животноводства. Он очень любит это дело, так как с юности помогал своему отцу разводить скот и ухаживать за ними. На сегодня у него имеется несколько голов скота, но он желает увеличить поголовье своего скота, чтобы расширить свой бизнес и получать больше дохода на нужды своей семьи. Сейчас Бахтиёр обратился в Арванд и хочет получить кредит на покупку скота для расширения своего бизнеса.

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
  • 198
    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 $1,000 helped Bakhtiyor purchase livestock.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 13, 2013
Sep 23, 2013
Currency Exchange Loss:
Dec 17, 2013