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Bakhrom is a cheerful, responsible 54-year-old who is married and has 4 kids. He lives with his family in a small village. Bakhrom and his wife are happily married and try to raise their children to be good people. He and his wife are happily raising their grandchildren as well, as his oldest son and daughter already have their own families and children.

For the past several years, Bakhrom has operated his own bakery, baking loaves of tasty Tajikistani flatbread and selling them to the locals, as well as to tourists from other countries who buy them as souvenirs. His bakery provides a stable source of income for his family, and also allows him to set aside money for his grandchildren. At the moment, Bakhrom is seeking to expand his business, and needs to stock up on baking supplies to do so. To this end, he hopes to receive a loan from Arvand to buy the supplies he needs. He is hoping for a positive outcome, and thanks Arvand in advance for their help in expanding his business.
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Бахром жизнерадостный и ответственный мужчина в возрасте 54 лет. Он женат и имеет 4 детей. Бахром со своей женой живут счастливо и стараются воспитывать своих детей хорошими людьми. Живут они в маленькой деревушке. Его старший сын и дочь уже имеют свои семьи и детей. Бахром и его жена очень рады растить своих внуков. Уже на протяжении нескольких лет Бахром занимается своим бизнесом. Он является пекарем, печёт национальные вкусные лепёшки и продаёт местному населению, а также у него покупают лепёшки, как подарок, специально для гостей из других стран. Этот бизнес приносит Бахрому стабильный доход. Этим самым он может обеспечить свою семью, а также он копит сбережения для своих внуков. Сейчас Бахром хочет расширить свой бизнес, для этого ему необходимо закупить больше продуктов для выпечки. Поэтому он обратился в Арванд и желает получить кредит на покупку продуктов для выпечки лепёшек. Он надеется на положительный результат и заранее благодарит Арванд за помощь в развитии 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
  • 216
    View loans »
    Tajikistan Loans Fundraising
  • $31,059,800
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Bakhrom buy supplies for baking.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 14, 2013
Sep 30, 2013
Currency Exchange Loss:
Apr 16, 2014