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Djamily Y. is a Vahdat resident, is married, and has 2 children. She is 35 years old and has secondary education. Djamily is in the business of selling various goods. She has been in this business for the past 14 years. She has a space in one of the markets in the town of Vahdat. Even through her family is not that big, her expenses increase over time. Her children are currently attending high school, and she wants to give them good education. Because of this, the income of her husband is not sufficient enough. Her business is the main source of income for their family. Currently, Djamily wants to purchase seasonal inventory from distributors at wholesale prices. To obtain funding for this transaction, she decided to take out a loan. After increasing the assortment of her inventory, Djamily will be able to increase her income. In addition, Vahdat residents will be able to purchase necessary products without laving the town. She plans to pay off the credit within 6 months.

Translated from Russian by Vasilisa Budnikova, Kiva Volunteer.

Якубова Джамиля Музафаровна жительница города Вахдат, замужем , имеет 2 детей. Возраст 35 лет,образование средние. Джамиля занимается куплей продажей товаров народного потребления. Имеет опыт в этой сфере более 14 лет.Клиентка имеет торговую точку на рынке города Вахдат . Хоть семья у Джамили не очень большая ,но расходы с каждым днем становятся больше .Дети Джамили ходят в среднюю школу. образование клиетка хочет дать своим детям хорошее. Поэтому заработка ее мужа им не хватает. Торговля является основным доходом ее семьи. В данный момент Джамиля хочет закупить сезонный товар у оптовых поставщиков. Для чего ей нужны деньги.поэтому клиентка решила взять кредит.Увеличив ассортимент товара Джамиля увеличит свой доход.Так же жители города Вахдат могут приобретать товары первой необходимости , не выезжая за пределы своего города.А планирует погасить кредит Джамиля в течение 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
  • 188
    View loans »
    Tajikistan Loans Fundraising
  • $30,367,950
    Funds lent in using Kiva
  • 3.4
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Djamily to increase the assortment of her inventory.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 17, 2008
Jun 8, 2008
Currency Exchange Loss:
Feb 15, 2009