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Bibizaynab is a cheerful and hardworking 34-year-old woman. She is married and has two children. She lives with her family in the countryside in a small house. She does not have a higher education as she did not have the opportunity to study at university due to financial difficulties in her family. Instead, she became a homemaker. She takes care of the household chores and raises her children.

In order to have a stable income to live on, Bibizaynab does her favorite activity - she takes custom orders for sewing women's dresses. Bibizaynab's husband is currently working abroad in Russia. Bibizaynab also has an additional business. She buys children's clothes at the wholesale bazaar and sells the merchandise at her local market. She makes a good income from these businesses. Now Bibizaynab wants to increase her amount of merchandise so that she can expand her business and make a larger profit in order to feed her children. This is why she turned to Arvand to receive a loan to buy children's clothes for retail sale. Bibizaynab really relies on a positive result and thanks Arvand in advance for their support.
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Бибизайнаб трудолюбивая жизнерадостная женщина в возрасте 34 лет. Она замужем и имеет 2-их детей. Она живёт со своей семьёй в сельской местности в небольшом доме. Она 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 постоянный доход на пропитание, Бибизайнаб занимается своим любимом делом. Она шьет на заказ женские платья. Муж Бибизайнаб в данное время находится на заработках в России. Бибизайнаб также занимается дополнительным бизнесом. Она покупает на оптовом базаре детскую одежду и продаёт данный товар на местном рынке. От данного дела она получает хороший доход. Сейчас Бибизайнаб хочет увеличить количество своего товара, чтоб расширить свой бизнес и получать больше прибыли, чтобы кормить своих детей. Поэтому она обратилась в Арванд и хочет получить кредит на покупку детской одежды для продажи. Бибизайнаб 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
  • 199
    View loans »
    Tajikistan Loans Fundraising
  • $31,816,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Bibizaynab to buy children's clothes for retail sale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 24, 2014
Jul 31, 2014
Currency Exchange Loss:
Aug 17, 2015