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Muhabbat is an honest, good and sociable woman. She is 47 years old, married and the mother of three children. Her husband Isroil and her oldest son have left to work in Russia. Muhabbat herself sells men's and women's shoes at the district's central market. Muhabbat bring the goods in from the city. In addition, she also sews traditional women's dresses from her home. She has been doing this for the past 12 years. She enjoys sewing the dresses in various styles.

Muhabbat and her family worked indefatigably to build their home. She always dreamed of living in a beautiful home with every comfort. To do this she has been saving money to install plastic rimmed windows and doors. These plastic windows and doors have become very popular and convenient recently. But this isn't their main benefit. These doors and windows are useful: they keep heat in, which is quite important for humans, especially in the cold winter months. Muhabbat doesn't have the money to buy the windows and doors so she has applied for a loan. She thanks the organization Arvand in advance for the timely assistance, and hopes to continue to work with them.
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Мухаббат порядочная, добрая и общительная женщина. Замужем. Мать троих детей. Ей 47 лет. Муж Мухаббат Исроил и их старший сын уехали в Российскую федерацию на заработки. Сама Мухаббат занимается торговлей, она на центральном рынке района продает женские и мужские обуви. Мухаббат товары привозит с города. Но кроме этого она еще дома шьет национальные платья для женщин. Она на протяжение двадцати лет занимается шитьем. Ей очень нравиться шить национальные платья с разными фасонами.
Мухаббат и ее семья усердно трудились чтобы достроить свой дом. Мухаббат всегда мечтала жить в красивых домах со всякими удобствами для этого она копила деньги для установки пластиковых окон и дверей. На данное время установка пластиковых окон и дверей стало очень модно и удобно. Но это не главное преимущества пластиковых окон. Эти окна и двери дослуживающие, сохраняет в комнате теплоту, что не мало важно для человека, особенно в холодное время года. Мухаббат для покупки пластиковых окон и дверей не хватила денежных средств, поэтому она подала заявку на кредит. Мухаббат заранее благодарна организации Арванд за своевременную оказанную помощь и надеется на долгосрочную сотрудничество с Арванд.

Additional Information

More information about this loan

This loan is part of MDO Arvand's pilot green loan program, which is designed to help clients in rural areas finance construction and installation of energy-generating and energy-saving equipment. The goal of this loan program, which is primarily funded through Kiva, is to increase use of renewable energy and reduce harmful emissions to the atmosphere. 

Power outages and electricity shortages are very common in rural Tajikistan, especially in fall and winter, when electricity is only available 3-4 hours per day. Based on client needs, MDO Arvand developed a green loan product to address the shortages and preserve the warmth in peoples’ house. By funding this loan, your are helping borrowers gain access to power through solar panel kits, as well as other products that improve heating and ventilation while reducing pollution.

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
  • 242
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • 4.9
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,050 helped Muhabbat purchase and install plastic windows and doors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 21, 2014
Jun 1, 2014
Currency Exchange Loss:
Oct 17, 2014