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Dilafruz is a positive and outgoing woman of 40 years. She lives with her family in a rural village. Since childhood, Dilafruz has had the desire to learn to cook different dishes. She learned a lot from her mother. Today this experience helps her to earn a living. In order to have an income for her family, she engages in her own business. Dilafruz sells various salads and pickles, which she prepares herself. She has been engaged in this work for three years.

She is a repeat client of Arvand. Her first loan was received in order to start a business. Now, Dilafruz needs to purchase more products and different spices to prepare another batch of salads for sale. For this, she has once again appealed to Arvand and wants to receive a loan to buy products and spices. Dilafruz needs a positive result and thanks Arvand in advance for the support.
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Дилафруз позитивная и дружелюбная женщина в возрасте 40 лет. Она живёт вместе со своей семьёй в сельском посёлке. Дилафруз с детства имела желание научиться готовить разные блюда. Она многому научилась у своей матери. На сегодня этот опыт помогает ей зарабатывать деньги. Для того, чтобы иметь доход в семье, она занимается своим бизнесом. Дилафруз продаёт различные салаты и соленья, которые приготавливает самостоятельно. Этим делом она занимается вот уже как 3 года. Он также является клиентом Арванд. Первый свой кредит она получила как раз для того, чтобы начать свой бизнес. Сейчас Дилафруз необходимо закупить ещё продуктов и разных специи для приготовления очередной партии салатов для продажи. Для этого она в очередной раз обратилась в Арванд и хочет получить кредит на покупку продуктов и специй. Дилафруз надеется на положительный результат и заранее благодарит Арванд за 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
  • 219
    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 $2,100 helped Dilafruz to purchase products and spices.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 24, 2013
Jan 17, 2014
Currency Exchange Loss:
Dec 17, 2014