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Mahmadsharif H. lives in Gissar district. He is 34 and married with three children. He does not have a formal education, but he works as an on-demand apartment repairman. This job allows him to make money, but the work is seaonal and there is not always demand for repairs. The money he receives isn't enough to feed his family, so in addition, he raises livestock. He buys calves, fattens them over 40-45 days, and then sells them back at a profit. He has been doing this for eight years. This business is popular and widely accepted in rural places, and for this reason it brings him income. However, due to the cold winter in Tajikistan, the amount of money Mahmadsharif can put into his business has decreased. He was forced to sell several calves in order to buy food for the others. He needs a loan in order to buy more livestock. This will allow him to re-establish his business and bring his family needed income. Mahmadsharif plans to repay the loan within twelve months.

Translated from Russian by Susie Armitage, Kiva Volunteer.

Холиков Махмадшариф живет в районе Гиссар. Возраст 34 года , женат и имеет 3 детей. Образования не имеет, но работает ремонтом квартир на заказ. Эта работа позволяет зарабатывать деньги, но эта работа является сезонной и не всегда есть заказ. Кроме того оплаты что он получает не хватает для того чтобы прокормить семью. Поэтому клиент дополнительно занимается животноводством. Покупает бычков, откармливает их 40-45 дней , а затем продает по более выгодной для него цене с учетом расходов. Занимается этим 8 лет. Этот бизнес самый распространенный в сельской местности, поэтому дает доход. На данный момент у клиента уменьшилась оборотная сумма в связи с холодной зимой . Ему пришлось продать несколько голов бычков , чтобы запастись кормом для остальных, и ему необходимо пополнить товарооборот. Для этого клиенту нужно получить кредит. Это поможет ему восстановить бизнес и получаемый доход , который так не хватает его семье. Погасить кредит клиент планирует 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
  • 195
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • 3.5
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Mahmadsharif to purchase calves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 16, 2008
May 14, 2008
Currency Exchange Loss:
Jul 15, 2009