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Muhabbat is a woman of middle age. She was born and raised in the town of Isfara. She got married at an early age. But she and her husband did not live together for long since their characters did not agree and after the birth of their child they decided to separate. She was tired of the endless quarrels. Muhabbat left him, and began life on her own. At the beginning, it was very hard for her with a little one to care for. But later she found herself work. Now, she buys and sells dried fruits in the local markets. And at night she sews national dresses.

After she bought a new apartment, Muhabbat renovated it and now with the approaching winter she wants to put up plastic doors and windows. Muhabbat decided to turn to the organization Arvand for material support, since she did not have sufficient funds. With the loan received, Muhabbat wants to buy windows and doors and to install them in her home. She thanks Arvand in advance for the help and support.
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Мухаббат женщина среднего возраста. Родилась и выросла в городе Исфаре. Вышла замуж в юном возрасте. Но они с мужем жили не долго так как не сошлись с характерами и после рождения ребенка они решили разойтись. Она устала от бесконечных ссор. Мухаббат ушла от него, и начала самостоятельную жизнь. По началу ей было очень трудно, с малышом на руке. Но после она нашла себе работу. Сейчас она занимается купле продажей сухофруктов, в местных рынках. А по ночам шьет национальные платья.
После того как купила новую квартиру,Мухаббат отремонтировала ее, и теперь к наступлению зимы она хочет установить пластиковые окна и двери. Мухаббат решила обратиться в организацию Арванд за материальной помощью,так как ей не хватает денежных средств. На полученный кредит Мухаббат хочет купить окна и двери и установить у себя дома. Она заранее благодарит Арванд за помощь и 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
  • 239
    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 Muhabbat to buy plastic windows and doors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 5, 2013
Dec 19, 2013
Currency Exchange Loss:
Mar 17, 2014