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Mukaddas is a 36 year old woman who lives in a village in the J. Rasulov region. She is married and has two children. Mukaddas is in business selling perfume at the J. Rasulov region's central market. She has gained a great deal of experience in this field, having run her business since 2000. Mukaddas has been a borrower from MDO Arvand since 2004 and has a good credit history. Mukaddas' husband is a carpenter and he helps his wife in his spare time. Her business is stable, but Mukaddas wants to expand it because her children are getting older and their everyday expenses are getting bigger.

With the goal of expanding her business, Mukaddas has again applied for a loan. She plans to use the loan to expand the assortment of perfumes she sells. She is very grateful to MDO Arvand for its financial support.
View original language description ↓
Мукаддас женщина, в возрасте 36 лет, живет в поселке Дж. Расуловского района. Она замужем, имеет двоих детей. Мукаддас занимается купля продажей парфюмерии на центральном рынке Дж. расуловского района. Имеет очень большой опыт в этой сфере деятельности так как, она занимается этим бизнесом с 2000 года. Мукаддас кредитуется в ООО МДО Арванд с 2004 года имеет хорошую кредитную историю. Муж Мукаддас работает плотником а в свободное время помогает жене. Бизнес Мукаддас стабильный, но она хочет расширить свой бизнес так как дети подрастают и бытовые расходы увеличиваются. С этой целю Мукаддас решила в очередной раз подать заявку на кредит.
На полученный кредит она планирует расширить ассортимент товара и купить парфюмерию. Она очень благодарна 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
  • 234
    View loans »
    Tajikistan Loans Fundraising
  • $32,063,325
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,100 helped Mukaddas to buy perfumes to expand the assortment of perfumes she sells.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 17, 2013
Dec 23, 2013
Currency Exchange Loss:
May 17, 2015