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Jumagul N. lives with her family in the Rudaki area. She owns a private cafeteria in Dushanbe. Because the place has become a little bit dirty it requires repairs. This is why Jumagul has decided to take out a loan. The loan will help her to improve working conditions and service quality. This will allow her to attract new customers and to increase her profits. She plans to pay back the loan over 12 months.

Translated from Russian by Sabina Holzman, Kiva Volunteer.

Неъматова Джумагшуль живет со своей семьей в районе Рудаки. Имеет частную стололвую в городе Душанбе. В связи стем , что помещение немного испачкалось его необходимо отремонтировать. Для этого Джумагуль решила получить кредит. Он поможет ей улучшить условия работы , а так же качество обслуживания. Это даст ей возможность привлеч новых клиентов и получать прибыль больше чем прежде. Погасить кредит она 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
  • 156
    View loans »
    Tajikistan Loans Fundraising
  • $29,656,600
    Funds lent in using Kiva
  • 3.5
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Jumagul building Repairs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 9, 2008
Aug 17, 2008
Currency Exchange Loss:
Oct 15, 2009