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Aziza is a young, beautiful, purposeful girl. Aziza is 21 years old. She lives with her mom. She has a university education. She teaches biology at a high school. She has many friends. It is easy for her to communicate with people, because she lives a very sociable life. Aziza is truly a girl from the east, a master of all trades. She spends her free time working at knitting. Aziza is also a representative of a cosmetics organization, for several years she has been selling perfume and hygiene products. She has many responsive clients, and she finally decided to open a store by herself for perfume and hygiene products. She will develop the new business, hooray! Aziza would like to increase the assortment of products, but for this she needs a little money. This is why she is asking for a loan. "Arvand" of course will help a young girl, because "Arvand" always welcomes women entrepreneurs.
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Азиза молодая, красивая, целиустремленная девушка. Азизе 21 год. Проживает с мамой. Имеет высшее образование. Преподает биологию в средней школе. У нее очень много друзей. Ей легко удается найти общий язык с людьми, так как она сама по жизни очень общительная девушка. Азиза как истинная девушка востока мастерица на все руки. Она в свободное время от работы занимается вязанием. Азиза еще представитель косметической организации, вот уже несколько лет подряд она занимается продажей гигиенических средств и парфюмерии. У нее очень отзывчивые клиенты, и вот наконец то она решила открыть себе магазин для продажи парфюмерии и гигиенических средств. Новый бизнес у нее развивается на ура! Азизе хотелось бы увеличить свой ассортимент ,но для этого ей нужны немного денежных средств . Поэтому она подала заявку на кредит. "Арванд" конечно же поможет молодой девушке. ведь "Арванд" всегда приветствует женщин предпринимателей.

Additional Information

More information about this loan

This loan is part of Arvand's new student loan program, designed to finance university tuition for students whose families have low incomes or work in informal sectors of the economy. Funds can be used for partial or complete payment of expenses such as cost of tuition, transportation, housing and books.  Arvand is using Kiva funding to provide student loans with a lowered interest rate. 

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
  • 239
    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 Aziza to buy perfumes and hygiene products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 10, 2013
Oct 21, 2013
Currency Exchange Loss:
Nov 17, 2014