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Khursheda is a kind and hardworking woman. She is married and has three children. She lives in a small mountainous village. Khursheda works as a teacher at a local school. But in order to feed her family, one salary of a teacher is not enough. This is why Khursheda is additionally involved in her own business - she raises and sells livestock. She has been working with Arvand since 2009. She started her business with the first loan by purchasing livestock to raise. At the present time, her income increased a lot and she is able to cover all of the family expenses. Today she has 2 cows, 2 calves, one bull and 20 heads of sheep. Khursheda says that once she started working with Arvand, her life changed for the better and she is grateful to Arvand for the financial support. Now Khursheda wants to increase her income, and this is why she came to Arvand to obtain a loan to buy livestock. She hopes for a positive result and thanks Arvand for the support in advance.
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Хуршеда доброжелательная и трудолюбивая женщина. Она замужем и имеет троих детей. Живёт она в маленьком горном кишлаке. Хуршеда работает учительницей в местной школе. Но для того, чтобы прокормить свою семью, одной заработной платы учительницы мало. Поэтому дополнительно Хуршеда занимается своим бизнесом, она выращивает и продаёт скот. Начиная с 2009 года она сотрудничает с Арванд. Получив первый кредит, она начала своё дело, закупила несколько скот для выращивания. В данное время её активы намного увеличились, и она может покрывать все семейные расходы. На сегодня она имеет 2 коровы, 2 телят, одного быка и 20 голов овец. Хуршеда рассказывает, что после того, как она начала сотрудничество с Арванд, её жизнь изменилась в лучшую сторону и она благодарит Арванд за финансовую поддержку. Сейчас Хуршеда ещё хочет увеличить свой доход, поэтому она обратилась в Арванд и хочет получить кредит на покупку скота. Она надеется на положительный результат и заранее благодарит Арванд за 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
  • 205
    View loans »
    Tajikistan Loans Fundraising
  • $31,085,850
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD