Arvand's philosophy
CJSC Bank "Arvand" identifies the following areas of socio-economic activities, listed in order of priority:
Entrepreneurs - CJSC Bank "Arvand" through its activities creates access to financial services required to invest in their business development.
Support for rural areas population- in Tajikistan agriculture among all kinds of activities is the most widely spread and at the same time is the weakest link in the economy. The original cause of it is a subsidized system of support to the agricultural sector which used to be in the country during the Soviet times, and which was destroyed during the collapse of the Soviet Union. Rolling back in regression wheel far back, the only things left of value in the agricultural sector are the specialists, their knowledge, experience and skills.
Participants of this particular sector of the economy make up a large proportion of the population below the poverty line and this trend is 60% of the entire economic sector of the country.
Women and children - an important point is the issue of increasing social significance of women in Tajik society. Here and the need to support single mothers - the heads of families, and those whose husbands had been in labor migration for a long time, those who are forced to employ their children as an additional source of income in order to reduce the cost of the products or services offered by them and the women whose incomes are much less than the subsistence minimum.
Interaction of microfinance institutions with these directions allows firstly to form the background of social impacts within individual isolated communities by improving the status of rural residents and women. Secondly, the active participation of microfinance institutions in the immediate development of small and medium-sized enterprises both in urban and rural areas with the introduction of experience and best practices of foreign countries in cooperation with international organizations will create a foundation of environmental protection and conservation of the environment, as a guarantee of public health in the present and future.