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Shamsiya R. lives in the city of Vahdat. She is 47 years old, married and has 5 children. She has a high school degree. Shamsiya is a housewife but her main occupation as well as the main source of income for her family is agriculture. She rents a plot of land where she grows wheat and potatoes. After harvest she keeps part of the crops for her family and sells the rest. Currently it is planting season in Tajikistan and Shamsiya requires additional funding to purchase seeds of wheat, potatoes and fertilizer. That is why she has planned to take out this loan. This loan will help her buy quality seeds and harvest a quality harvest which will help her attract new clients and be able to sell all the crops she grows. Shamsiya is planning to pay back the loan in the next 12 months.

Translated from Russian by Anya Lyuksyutova, Kiva volunteer

Рабиева Шамсия жительница города Вахдат. Возраст клиента 47 лет. Замужем , имеет 5 детей. Образование среднее. Домохозяйка ,но основным видом деятельности и основным источником дохода ее семьи является земледелие. Она берет землю в аренду , засеивает пшеницей и картофелем.После того как она получает урожай , часть его она оставляет своей семье, а остальную часть продает. Сейчас самое время посевных , поэтому клиентка нуждается в деньгах для покупки семян картофеля , пшеницы и удобрений.Поэтому она запланировала получить кредит. Это поможет ей закупить качественные семена и получить качественный урожай, что поможет привлечь новых клиентов и без остатка реализовать свою продукцию. Погасить кредит клиентка 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
  • 112
    View loans »
    Tajikistan Loans Fundraising
  • $29,894,325
    Funds lent in using Kiva
  • 3.5
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Shamsiya purchase of potato and wheat seeds and fertilizer.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 18, 2008
May 3, 2008
Currency Exchange Loss:
Jan 20, 2009