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Ulmas V. is 42 years old, she has a specialized secondary education, she is not married and has 2 children. Ulmas is selling perfumes and cosmetics at one of the markets in the city of Vahdat. She has been in this business for the past 12 years. She wants to use the loan to increase the assortment of her merchandise. This loan will give an opportunity for the residents to buy the necessary products like hair coloring products, makeup, facial creams and other essential women care products.

Ulmas plans to pay off the loan within 6 months.

Translated from Russian by Elena Fedorchuk, Kiva Volunteer.

Вафоева Ульмас– 42 года, образование средне-специальное, незамужем, имеет 2-х детей. Ульмас имеет торговую точку на рынке в городе Вахдат. Она занимается продажей парфюмерии. Этим видом деятельности она занимается уже в течение 12 лет. Полученный кредит она хочет использовать на увелечение ассортимента продаваемого товара. Полученный кредит даст возможность населению приобретать необходимые им товары для покраски волос, тени, крема а также другие принадлежности необходимые женщине для ухода за собой.

Клиент планирует выплатить кредит в течение 6 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
  • 217
    View loans »
    Tajikistan Loans Fundraising
  • $29,714,525
    Funds lent in using Kiva
  • 3.5
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Ulmas to increase the assortment of merchandise.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Feb 1, 2008
Jan 16, 2008
Currency Exchange Loss:
Aug 2, 2008