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Nigina is an energetic young woman. She is unmarried and lives with her parents in a small village. Ever since she was young Nignia has been enterprising and capable, always keeping busy and working so that she could earn money to support herself. Today she runs her own business and earns money selling assorted souvenirs, handmade crafts, and small toys. At first she only had a small selection of goods, but she has been gradually expanding her inventory. She has a successful business and earns a good income. Because she is ambitious and wants to work, Nigina would like to expand her business. However, she does not have sufficient capital, so she decided to apply for a loan with Arvand to purchase a batch of souvenirs to sell. She hopes for positive results and thanks Arvand for the support.
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Нигина молодая и очень активная девушка. Она пока не замужем и живёт со своими родителями. Живёт вместе со своими родителями в маленькой деревушке. С юного возрасте Нигина была предприимчивой и способной девушкой. Всегда находила себе занятие или работу, которая приносила ей прибыль, и она могла тратить денежные средства на свои нужды. На сегодня она самостоятельно ведёт свой бизнес, который приносит ей доход. Она продаёт товар, который состоит из разных сувениров, ручных поделок и игрушек. Поначалу у Нигины был маленький ассортимент товара, но постепенно она расширяла ассортимент своего товара. И на сегодня её бизнес успешен и приносит ей хороший доход. Благодаря своему стремлению и желанию работать, Нигина хочет расширить свой бизнес, но для этого своего капитала не хватает. Поэтому она решила обратится в Арванд и хочет получить кредит, чтобы закупить партию сувениров для дальнейшей продажи. Нигина 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
  • 246
    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 $1,900 helped Nigina to buy souvenirs to sell.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 16, 2014
Jan 29, 2014
Currency Exchange Loss:
Aug 17, 2015