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Zuhrojon is a kind and out-going woman. She is 46 years old and has two children. She is a widow, her husband having died several years ago. Now Zuhrojon alone raises her children who are still young and go to school. Zuhrojon is a hardworking woman and loves her children deeply. For their sake she works nights. Zuhrojon used to work in farming, and sometimes cleaned houses. Later she decided to go into the sales business at the market, so she rented a stall and started selling vegetables. Her business took off smoothly. She has previously taken out a loan from MDO Arvand for business development.

Bit by bit Zuhrojon has saved up money for home repairs, but her savings aren't enough. So, she has again applied to MDO Arvand for a loan so that she can finish her home repairs before the first snows. She plans to use the loan to buy building materials. MDO Arvand's clients come to them with their hopes and dreams and Zuhrojon is very glad that they are given help.
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Зухрожон общительная добрая женщина. Ей 46 лет. Имеет двоих детей. Она вдова, несколько лет назад её муж умер. Сейчас сама Зухрожон воспитывает двоих детей, они еще маленькие ходят в школу. Зухрожон трудолюбивый человек, очень любит своих детей ради них она трудиться ночами. Зухрожон раньше работала на поле, иногда ходила убирать дома. Потом она решила торговать на рынке. На рынке взяла место в аренду и начала там продавать овощи. Её дела пошли гладко. В первые она брала деньги в кредит с МДО "Арванд" для развитие своего бизнеса. Зухрожон понемножку откладывала деньги для ремонта дома, но ей не хватило тех накопленных денег. Поэтому она снова обратилась за кредитом в "Арванд", чтобы до первых снегов закончить ремонт в доме.Она на полученный кредит планирует купить строительные материалы. Зухрожон очень рада что "Арванд" оказывает свою помощь клиентам, которые с надеждой приходят в эту организацию.

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
  • 235
    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 $325 helped Zuhrojon to buy building materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 17, 2013
Dec 24, 2013
Currency Exchange Loss:
Jan 17, 2015