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Marhamat is a young, cheerful, and sociable woman. She is 37 years old and is married. She is the mother of two beautiful children. Marhamat’s family is very friendly. Marhamat’s husband, Shukhrat, is a retired police officer and receives a pension. Additionally, Shukhrat sometimes drives his car as a taxi to support his family.

Marhamat is a very hardworking person. Since her youth, she has worked hard to earn money in order to contribute her share to the family’s budget. Originally, Marhamat sold small-sized food, but over time, she has expanded the scope of her business and opened a small food shop near the teahouse. Marhamat continued operating her small business after getting married. Today, Marhamat also has a stall in the central market that sells women's clothing. She has many customers, all of whom are happy with her because she is a very sociable, friendly and welcoming, which is important for business.

In the summer season, Marhamat would like to increase her inventory of women's clothes and earn a little bit more income. However, she doesn’t have enough money to purchase and deliver the inventory and has applied for a loan. Marhamat is grateful for the support and operational work of the MDO Arvand organization.
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Мархамат молодая жизнерадостная и общительная женщина. Ей 37 лет. Замужем. Мать двоих прекрасных детишек. У Мархамат очень дружная семья. Муж Мархамат Шухрат на сегодняшний день пенсионер, раньше он работал в милиции. Дополнительно Шухрат иногда на своей машине таксует, чтобы прокормить свою семью. Сама Мархамат очень трудолюбивый человек. С молодости она трудилась, самостоятельно зарабатывала деньги, таким образом, она вкладывала свою часть доли в семейный бюджет. Поначалу Мархамат занималась продажей мелкоштучных продуктов питания, со временем она расширила свой ассортимент и возле маххалинской чайханы открыла себе не большой магазинчик продуктов питания. С тех пор Мархамат занималась торговлей, даже после замужества она продолжила свой маленький бизнес. А на сегодняшний день Мархамат имеет свой бутик на центральном рынке района. Она торгует женскими одеждами. У нее много клиентов, все ее клиенты довольны ею ведь она очень общительная и приветлива, встречает своих клиентов, что не мало важно для торговли. Мархамат в летний сезон хотела бы умножить ассортимент женских одежд и на этом немножко подзаработать денег. Но ей для покупки и привозки вещей не хватает денежных средств. Поэтому она подала заявку на кредит. Мархамат выражает свои благодарности МДО Арванд за поддержку и за оперативную работу сотрудников организации.

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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
  • 202
    View loans »
    Tajikistan Loans Fundraising
  • $31,100,325
    Funds lent in using Kiva
  • 4.9
    Tajikistan Somoni (TJS) = $1 USD