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Aval is a happy and hardworking 48-year-old man. He is married and has 3 children. Aval comes to Arvand for the first time after learning about the opportunity to obtain financial support. Aval lives with his family in a rural area. He has a higher education, but could not find suitable work at the local village, where he lives. His wife does not have the higher education because she could not attend a university due to her family's financial hardships. She is a homemaker, involved in house work and raising children.

Aval is involved in his own business to have an income for food. He is involved in fattening up and selling cattle. He has a good income from this business. The wife also helps Aval with the business by selling milk obtained from the livestock. Now Aval has several heads of livestock ready for sale and wants to increase his livestock headcount in order to expand his business. This is why he came to Arvand and wants to obtain this loan to buy livestock. Aval hopes very much for a positive result and thanks Arvand for the support in advance.
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Авал жизнерадостный и трудолюбивый мужчина в возрасте 48 лет. Он женат и имеет 3-их детей. Он обратился в Арванд впервые, когда узнал, что есть возможность получить финансовую поддержку. Сам Авал живёт со своей семьёй в сельской местности. Он имеет высшее образование, но не смог найти подходящую работу в местном селе, где живёт. Жена Авала не имеет высшего образования, так как не было возможности учиться в Университете из-за финансовых трудностей в семье и является домохозяйкой, она занимается домашними делами и воспитанием детей.

Чтобы иметь доход на пропитание, Авал занимается своим бизнесом. Он занимается откормом и продажей крупного рогатого скота. От данного дела он получает хороший доход. Жена также помогает Авала в его деле, она продаёт молоко, полученное от скота. Сейчас Авал имеет несколько голов скота, которые готовы к продаже, поэтому он хочет ещё увеличить количество скота для расширения своего бизнеса. Для этого он обратился в Арванд и хочет получить кредит на покупку скота. Авал 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
  • 222
    View loans »
    Tajikistan Loans Fundraising
  • $32,092,775
    Funds lent in using Kiva
  • 4.9
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Aval to buy livestock in order to expand his business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 9, 2014
Jun 16, 2014
Currency Exchange Loss:
Jan 17, 2016