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Zarina is a young grandmother. Her grand daughter's recent birth brought joy and light into her life. Zarina is very happy about having a grandchild, but the thought of hosting an event in honor of the child worries her. Just last year she threw the wedding party for her daughter, and used up her savings, so now she just doesn't have the money.

Zarina is a seamstress and good housewife. She has a 12 year work record, and her income is enough for everyday food expenses. Her husband had to leave to be a migrant worker. Zarina spends part of the money he sends back on the children's education, and she keep some for a raining day.

Despite the difficult position and financial hardships, she is glad to spend the money saved not on a rainy day, but on an party in honor of her grand daughter's birth. However, the saved money isn't much, and is only enough to pay for half of the plans. Zarina is asking for a loan to carry out her plans and goals. She decided to seek a loan from MDO Arvand. She wants to use the loan to buy presents for her grand daughter and daughter. She hopes for your help and support from Arvand, and thanks you for the assistance.
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Зарина молодая бабушка. У неё недавно родилась внучка и принесла в её жизнь радости и света. Зарина очень рада появлению внучки, но её беспокоят мысли об провидение мероприятия в честь её внучки. Ведь год назад она сыграла свадьбу дочки и потратила все свои заначки. И на данный момент не имеет достаточно средств. Она швея и хорошая хозяйка. У неё двадцатилетний стаж работы. Её ежемесячный доход хватает на ежедневное пропитание. Муж по необходимости уехал в трудовую миграцию. Часть присылаемых денег мужа Зарина тратит на обучение детей, а часть оставляет на «чёрный день». Несмотря на тяжелое положение, и финансовые затруднение, она рада, что будет тратить накопленные деньги не на «чёрный день», а в честь рождения внучки – на проведения мероприятия. Но накопленных денег не много и хватят только на половину реализации планированного. Для воплощения своих мыслей и целей в реальность Зарине пришлось обратиться за кредитом. Она решила воспользоваться кредитными услугами МДО «Арванд». На полученный кредит Зарина хочет купить подарки для внучки и дочери.Очень надеется на помощь и поддержку со стороны «Арванд" и заранее благодарит за содействие.

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
  • 200
    View loans »
    Tajikistan Loans Fundraising
  • $31,100,325
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD