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M. Zarobiddin is 45 years old, has higher education and a mechanic by profession. He is married and has 3 children. Zarobiddin's main work place is a joint-stock company "Ato" where he operates a press machine. Besides his job he is also raising cattle at his home which he has been doing for 3 years. With his loan, Zarobiddin plans to purchase 2 heads of cattle and food for them and then sell them after 40-45 days of feeding. He will use his profit to buy more young cattle and food to sustain them. During the 12 months, he will buy, feed and sell cattle and at the end of the loan term he estimates he will make a profit of 3 heads of cattle. Zarobiddin is planning to pay off the loan in 12 months.

Translated from Russian by Elena Fedorchuk, Kiva Volunteer.

Миров Заробиддин, возраст – 45 лет, образование высшее, по специальности механик, женат, имеет 3-х детей. Основным местом работы Заробиддина являетя Акционерное Общество Закрытого тиипа «Ато», в должности прессовщика. Помимо этого он также занимается разведением курпного рогатого скота у себя дома. Этим видом деятельности он занимается уже в течение 3 лет. На полученный кредит клиент планирует приобрести 2 головы крупного рогатого скота и корма для них, которые после откормки, через 40-45 дней будет продавать. На вырученные деньги он будет покупать новый молодняк и корм для его содержания. Куплей, откормкой и продажей крупного роагтого скота он будет заниматься в течение 12 месяцев, в конце кредитного цикла клиент планирует получить прибыль в количестве 3 голов крупного рогатого скота.
Клиент планирует выплатить кредит в течение 12 месяцев.

Additional Information

About MLO Humo and Partners

MLO Humo and Partners is a microfinance institution in Tajikistan that aims to support vulnerable and underserved populations living in rural areas through financial and consulting services for small businesses. Kiva loans are used by groups and individual borrowers to start and grow businesses and build brighter futures for themselves, their families and their communities. This is especially important in Tajikistan, the poorest country in Central Asia, where more than two-thirds of the population lives below the poverty line.

About Tajikistan

  • $2,700
    Average annual income
  • 186
    View loans »
    Tajikistan Loans Fundraising
  • $30,382,675
    Funds lent in using Kiva
  • 3.5
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Zarobiddin purchase two heads of cattle for breeding and sale.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 1, 2008
Dec 18, 2007
Currency Exchange Loss:
Feb 15, 2009