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Davlatbiby Salimovna H. lives in the town of Tursun-zoda. She is 44 years old, married and has four children. She also has a secondary education. She is in the retail business and has own vendor space on the market. She sells women's clothing which she brings in from Dushanbe (capital of Tajikistan) and buys it from wholesalers at a lower price and then resells at a more profitable price. She has been in this business for the past five years. Davlatbiby plans to use the loan to buy new seasonal merchandise which will provide the customers with clothing for the spring. Besides, the local residents will be able to purchase the necessary clothes without having to leave their town. She plans to pay off the loan within 12 months.

Translated from Russian by Elena Fedorchuk, Kiva Volunteer.

Хаитова Давлатбиби Салимовна проживает в городе Турсун-заде. Возраст 44 года, замужем имеет 4 детей. Так же имеет среднее образование. Занимается бизнесом в сфере торговли.Имеет торговую точку на рынке.Продает женскую одежду. Товар привозит из города Душанбе, покупая у оптовых реализаторов по более низкой цене и перепродает у себя на рынке по более выгодной цене. Занимается этим бизнесом клиентка уже около 5 лет. Планирует получить кредит для того , чтобы завести свежий сезонный товар. Это позволит обеспечить рынок сезонным товаром. Кроме того население сможет покупать необходимые для себя вещи, не выезжая за приделы города. Погасить кредит планирует в течении 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
  • 184
    View loans »
    Tajikistan Loans Fundraising
  • $30,358,600
    Funds lent in using Kiva
  • 3.5
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Davlatbiby to increase commodity turnover.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 2, 2008
Apr 8, 2008
Currency Exchange Loss:
Jun 15, 2009