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Elmurod lives in the Spitamen region. He is 34 years old, married, and has two beautiful children. He deeply loves his children. Elmurod's wife, Shoira, works in a confectionery factory where she bakes delicious pies and beautifully decorated cakes. Shoira often makes holiday dinners and bakes pies for her little children and beloved husband. Her harmonious family finds joy in these dinners. Elmurod works as a master home remodeller, and specializes in European styling. His work is in high demand because he completes every job in a high quality way.

Elmurod and his family recently moved into a new house. They really like it there and they have decided to equip it in a modern style and to buy new furniture. However Elmurod doesn't have the funds for the furniture. In order to buy new furniture, he has applied to MDO Arvand for a loan and he hopes that MDO Arvand will support him.
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Элмурод проживает в Спитаменском районе. Ему 34 года. Женат. Имеет двоих прекрасных детей. Он очень любит своих детей. Жена Элмурода Шоира работает в кондитерском цеху. Она там выпекает вкусные пироги, красиво украшенные торты. Шоира для своих детишек и для своего любимого мужа часто устраивать праздничные ужины, печет вкусне торты. Этим она радует свою дружную семью.
Элмурод и его семья недавно переехали в новый дом. Им там очень нравиться и они решили обустроить дом в современном дизайне, обновить мебель. Но для обновления Элмуроду не хватает денежные средства. Сам Элмурод работет мастером. Он ремонтирует дома в стиле евро. Элмурод востребованный мастер в районе, так как он свое дело выполняет качественно. Для приобретения мебели он обратился в МДО "Арванд" за кредитом, и надеется,что его поддержат в Арванде.

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
  • 264
    View loans »
    Tajikistan Loans Fundraising
  • $31,857,900
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Elmurod to buy furniture.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 12, 2013
Dec 24, 2013
Currency Exchange Loss:
Jul 17, 2015