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Janatkhon, age 42, is a responsible and positive woman as well as a kind and caring mother. She is married and she has three lovely young children. Her husband is currently in Russia where he is making a living working as a construction worker. He makes a reasonable income, which he sends to his family every month.

Janatkhon herself has been running her own business for almost seven years, which also helps to meet all her family's needs. She bakes pastries such as cakes and biscuits and she conducts her business in her own, small, bakery shop. A few other bakers also work in her shop, as Janatkhon cannot handle all the work herself.

Janatkhon wants to buy some goods that she needs for baking, as well as some additional equipment. As winter is approaching and food prices may go up, she would like to buy everything she can now. For this purpose, she has turned to MDO Arvand and would like to receive a loan to buy baking goods. She thanks Arvand in advance for their financial support.
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Чанатхон ответственная и позитивная женщина, а также добрая и заботливая мать. Ей 42года. Она замужем и имеет троих прекрасных детишек. Муж Чанатхон находится на заработках в России. Там он работает строителем и получает приемлемый доход, который ежемесячно присылает своей семье. Сама Чанатхон вот уже около семи лет ведёт свой бизнес, который также помогает её семье удовлетворять все свои нужды. Она занимается выпечкой мучных сладостей, такие как пряники, булочки. Для этого у неё имеется небольшой кондитерский цех. В этом цеху также работают несколько пекарей, потому что сама Чанатхон не справится со всей работой. Сейчас Чанатхон хочет закупить необходимые продукты для выпечки и некоторый дополнительный инвентарь. Так как наступает зимний период и цены на продукты питания могут возрасти, поэтому Чанатхон хочет сейчас закупить все возможные продукты. Для этого она обратилась в Арванд и желает получить кредит на покупку продуктов для выпечки. Она заранее благодарит Арванд за 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
  • 254
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,525 helped Janatkhon to purchase baking goods.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 18, 2013
Oct 17, 2013
Currency Exchange Loss:
Apr 16, 2014