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Zulfiya H. lives in Rudaki. She is 20 years old, married. She has a secondary education. For the last three years Zulfiya has been baking pies at home. She sells them at the local market, where she has a permanent client base. She selling her pies at a reduced price. The client lives with her elderly parents, and is the sole breadwinner for the family. Zulfiya needs an electric oven to make her baked goods. This is why she decided to take out a loan. She plans to repay the loan within twelve months.

Translated from Russian by Anya Ezhevskaya, Kiva translator.

Хатамова Зульфия жительница района Рудаки. Возраст 20 лет, замужем.Образовагние среднее.Зульфия вот уже 3 года занимается выпечкой пирожков у себя дома. Реялизует свою продукцию на местном рынке, где имеет постоянных клиентов. Так как Зульфия продает свою продукцию намного дешевле других.Клиентка живет с престарелыми родителями и является единственной кормилицей в семье. Зульфия нужна элнктро-духовка для выпечки хлебо-булочных изделий. Для чего она решила взять кредит . Планирует погасить кредит 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
  • 187
    View loans »
    Tajikistan Loans Fundraising
  • $30,410,000
    Funds lent in using Kiva
  • 3.5
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Zulfiya. purchase of an oven.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 14, 2008
Jul 31, 2008
Currency Exchange Loss:
Sep 15, 2009