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Zarnigor H. lives in Yavan. She is 36 years old, is divorced and raising three children. She is the sole breadwinner of her family, so 4 years ago Zarnigor decided to start her own business. She purchases potatoes, onions and carrots wholesale and then resells them in her local market. She has a stall in the “Mekhrgon” market. It is not easy to provide for three children, so Zarnigor needs additional funds to expand her business. Zarnigor wants to use her loan for business expansion. She plans to repay the loan within 12 months.

Translated from Russian by Jamilya & Keith Leitich, Kiva Volunteers.

Хидирова Зарнигор жительница города Яван. Ей 36 лет, она разведена и имеет 3 дете. Так как она не замужем Она является единственным кормильцем семьи. Поэтому 4 года назад Зарнигор решила занятся бизнесом. Она скупает у оптовых реализаторов овощи (картофель, лук, морковь ) и продает на рынке. Имеет торговую точку на рынке «Мехргон». Кормить тороих детей не так просто и по этой причине ей необходимо развивать свой бизнес, а для этого ей нужны дополнительные средства, поэтому обратившись в нашу организацию она надеется получить возможность получить кредит и зарабатывать. А погасить кредит Зарнигор 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
  • 102
    View loans »
    Tajikistan Loans Fundraising
  • $29,901,400
    Funds lent in using Kiva
  • 3.5
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Zarnigor to increase turnover.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 22, 2008
May 7, 2008
Currency Exchange Loss:
Jun 15, 2009