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Gayrat is a positive and responsible 31 year-old man. He is married and has two children. He lives with his family in a small village, but the house where they live is not quite set up for a good living in it. Gayrat's wife is a homemaker and a very hardworking and caring mother. Gayrat works as a shoe repairman together with his father. They have a shop for repairing shoes. Gayrat receives a good income from this business, but this income is only enough for food. Gayrat has a dream of repairing his house and installing quality plastic windows and doors. But he needs money for this. This is why Gayrat came to Arvand and wants to obtain a loan to purchase construction materials for repairing his house. Gayrat hopes for a positive result and thanks Arvand in advance for the financial support.
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Гайрат позитивный и ответственный мужчина в возрасте 31 года. Он женат и имеет двоих детей. Он живёт со своей семьёй в небольшом посёлке. Но дом, в котором они живут не совсем благоустроен для хорошего проживания в нём. Жена Гайрата домохозяйка, она очень трудолюбивая и заботливая мама. Сам Гайрат работает сапожником вместе со своим отцом. Для этого у них есть собственная лавка для ремонта обуви. От этого дела Гайрат получает хороший доход. Но этого дохода хватает лишь на пропитание. Но у Гайрата есть мечта, он хочет отремонтировать свой дом и установить качественные пластиковые окна и двери. Но для этого ему необходимы денежные средства. Поэтому Гайрат обратился в Арванд и хочет получить кредит на покупку строительных материалов для ремонта дома. Гайрат надеется на положительный результат и 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Tajikistan

  • $2,700
    Average annual income
  • 196
    View loans »
    Tajikistan Loans Fundraising
  • $31,808,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
A loan of $1,475 helped Gayrat to purchase construction materials for repairing his house.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 11, 2013
Oct 21, 2013
Currency Exchange Loss:
Nov 20, 2013