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Okibat was born in 1971 in the city of Isfara, in the rural settlement Kulkent, into a working family. After finishing school, she got married right away to her loved one. They had a strong love, and to this happy family, three beautiful children were born.

After Okibat got married, the crisis started and they got problems with their financials. Okibat started selling children's clothing. She was working with retail for a period of five years. She learnt retail very well. In the beginning she had problems with the sales, however with time she learnt the trade and started to earn well for herself and her family.

Okibat has been an active client of the organization "MDO Arvand" since December 2012. Once again, she would like to take a loan from Arvand and expand her business to improve the family's circumstances. Okibat would like to purchase a new assortment of children's clothing for the loan received.
View original language description ↓
Окибат, родилась 1971году в городе Исфаре, в кишлаке Кулькент, в семье рабочих. После окончании школы она сразу вышла замуж за любимого человека. У них была крепкая любовь. У этой счастливой семье родились 3 прекрасных детей. После того, как вышла замуж, начался кризис и с финансовой части начались проблемы. И Окибат начала продавать детскую одежду.
В течении 5ти лет она занимается торговлей. Она так хорошо изучила торговлю. Сначала были проблемы с торговлей, но со временем она научилась торговаться и начала хорошо зарабатывать для себя и на семью. С декабря месяца 2012 года она является активным клиентом организации ООО МДО "Арванд". В очередной раз она хочет взять кредит в Арванде и расширить свой бизнес для улучшения семейных обстоятельств. На полученный кредит Окибат хочет купить новый ассортимент товара детской одежды.

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
  • 216
    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 Okibat to purchase children's clothing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 13, 2014
Jul 8, 2014
Currency Exchange Loss:
Dec 19, 2014