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Toshgul T. is 30 years old, has a high school education, is married and has 4 children. Toshgul has a small plot of land next to her house. She would like to use the loan to purchase seeds for planting wheat as they are currently cheaper than they will be in one month. She has been in this business for 5 years.

This loan will allow Toshgul to purchase wheat for planting, plant her land, collect a harvest and use the wheat to make flour and bread for personal use. A bag of flour costs much more at a store. Toshgul plans to sell part of her harvest in order to pay back the loan. She will pay back the loan over a 12 month period.

Translated from Russian by Sabina Holzman, Kiva Volunteer.

Тохирова Тошгул, возраст – 30 лет, образование – среднее, замужем, имеет 4 – х детей. Тошгул имеет небольшой приусадебный участок возле своего дома. Так как наступает посевной сезон, она хочет получить кредит и приобрести семена пшеницы, так как в настоящее время цена на них намного ниже, чем будет через месяц. Этим видом деятельности она занимается уже в течение 5 лет. Данный кредит даст ей возможность приобрести семена пшеницы, засеять участок земли, собрать урожай и использовать пшеницу для производства муки и выпечки хлеба для личног потребления. Так как мешок муки в магазине стоит намного больше. Часть собранного урожая она планирует продать после его сбора для погашения кредита.
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
  • 189
    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 $450 helped Toshgul purchase wheat for planting.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 21, 2008
Feb 7, 2008
Currency Exchange Loss:
Mar 16, 2009