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Bahrom is a young and determined guy. He is not yet married and lives with his parents in a small village. After graduation for a local school, Bahrom was not able to enroll in college to receive a higher education because of financial problems in his family. But from a young age, Bahrom had entrepreneurial qualities, that help him not to sit still but rather to come up with different kinds of business to make a profit.

Now, Bahrom is engaged in his own business. He sells wallpaper and glue for repairs of apartments and homes. Bahrom buys his goods at the large wholesale bazaar and transports them to his village for sale. He already has regular customers, and from his business Bahrom receives a good income. As a result, he wants to expand his business, to get a large profit, since he needs to save money for the future and when he will get married he will need money.

Therefore he is not applying to Arvand and wants to receive a loan to purchase wallpaper and glue for repairs for future resale. Bahrom very much hopes for a positive result and thanks Arvand in advance for the support.
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Бахром молодой и целеустремлённый парень. Он пока ещё не женат и живёт со своими родителями в маленькой деревушке. После окончания местной школы Бахром не смог поступить в Университет для получения Высшего образования из-за финансовых проблем в семье. Но с юного возраста у Бахрома имеются предпринимательские качества, что помогает ему не сидеть на месте, а придумывать разные виды бизнеса для получения прибыли.

На сегодня Бахром занимается своим бизнесом. Он продаёт обои и клей для ремонта квартир и домов. Бахром закупает свой товар на большом оптовом базаре и привозит в свою деревню для продажи. Он уже имеет постоянных клиентов, от своего бизнеса Бахром получает хороший доход. Также он хочет расширить свой бизнес, чтобы получать больше прибыли, так как ему нужно копить деньги на будущее, когда он соберётся жениться, ему понадобятся денежные средства. Поэтому сейчас он обратился в Арванд и хочет получить кредит на закуп обоев и клея для ремонта для дальнейшей продажи. Бахром очень 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
  • 262
    View loans »
    Tajikistan Loans Fundraising
  • $31,841,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Bahrom to buy wallpaper and glue.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 17, 2014
Feb 14, 2014
Currency Exchange Loss:
Dec 17, 2014