A. Khulkaroi was born in 1967 in the Asht region of Tajikistan. She is married and has 2 children. She lives in the high-mountain region where livestock is important. She is engaged in the livestock business, as are many her fellow villagers. Mrs. A. Khulkaroi raises and sells livestock. It is the family business. She is also a school teacher. She has 10 years of experience in livestock so she has appropriate skills and knowledge that she uses in practice. Now, Mrs. A. Khulkaroi applies to KIVA with the request of a business development loan for 8 months to purchase special milk-making equipment to start milk production and selling. Mrs. A. Khulkaroi thanks KIVA for the support that KIVA gives to entrepreneurs.