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Hayniso Y. lives in the region of Vahdat. She is 50 years old, married and has seven children. She has secondary education and is in the retail business selling shoes on the local market of Vahdat. She has been in this business for the past ten years. Hayniso's sons went to Russia to find work, but they are sending money to her very rarely. She has to support her family on her own. The income from her business lets her buy the necessary groceries and some clothes for the family.

At this time, Hayniso wants to purchase seasonal clothing and increase the variety of her merchandise. She needs the money and decided to apply for a loan. The loan will help improve the quality of life of her family. She plans to pay off the loan within 6 months.

Translated from Russian by Elena Fedorchuk, Kiva Volunteer.

Ерова Хайнисо жительница района Вахдат.Ей 50 лет .Хайнисо замужем, имеет 7 детей.Образование среднее. Клиентка занимается купле продажей обуви.Хайнисо торгует на местном рынке города Вахдат. Этим видом деятельности она занимается уже 10 лет . Сыновья Хайнисо уехали в Россию на заработки, но посылают деньги очень редко. Поэтому клиентка сама содержит свою семью. Прибыль от торговли позволяет ей покупать необходимые продукты питания и кое что из одежды для ее семьи.

Сейчас Хайнисо хочет закупить сезонную одежду и увеличить ассортимент товара. Для этого ей нужны деньги и она решила взять кредит. Кредит поможет ей улучшить качество жизни ее семьи. Планирует погасить кредит в течении 6 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
  • 108
    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 $875 helped Hayniso to increase variety of merchandise.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 19, 2008
Jun 3, 2008
Currency Exchange Loss:
Jan 15, 2009