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  • The story of Abdul Ahad Qadiria (Afghanistan), business owner and client of First MicroFinance Bank in Shiberghan, Afghanistan.
The story of Abdul Ahad Qadiri

Abdul Ahad Qadiri, 36, decided at a young age that he wanted to be financially independent and to contribute to his community by opening his own business.

To realise this aspiration, he set up a small outlet selling eggs, chicks, hens, and roosters in his home town of Shiberghan, in the north of the country. However, as the agriculture market is competitive, Qadiri decided to diversify into selling meat as well, and took out a loan in 2008 for AFN 75,000 ($1,000) from the First MicroFinance Bank Afghanistan to buy meat from neighbouring Mazar-e-Sharif and sell it in Shiberghan. With FMFB-A’s financial support, Qadiri managed to expand his business in a short period and open three more shops in Bander Andkhoy, Bander Darzab, and Sar-e-pul.

Over time, as his income grew further, Abdul Ahad decided to set up his own poultry farm. Through hard work, savings, and several loans, Qadiri built this poultry farm, and has become a successful poultry dealer, owning a profitable business. His monthly income has increased from AFN 40,000 to AFN 150,000. He is able to buy new chickens and save money for his family. He has been able to purchase land, shops, and several vehicles, including a Suzuki and a Land Cruiser. His family’s quality of life has improved, as they are able to afford more nutritious food, and three of his five children are now studying at private schools. Moreover, he has generated employment for 10 locals to support him in sales and delivery.

While competition in the market will always remain a challenge, Abdul Ahad’s enthusiasm and commitment are evident in the way he manages his business, refusing to compromise on quality and communicating well with his customers to ensure they are satisfied.

Having borrowed AFN 1.3 million from FMFB so far, Abdul Ahad looks forward to continuing his relationship with the bank. He will use further loans as well as profits from his business to invest in technology to automate his poultry farm. This will help him further expand his business, as well as create more jobs in his village, particularly for women, as women traditionally tend to poultry production. He has also been a source of inspiration for local youth: observing his success, many educated yet unemployed youngers have been motivated to take up poultry farming.