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Zulfiya lives in the Spitamen region. She is 31 years old, married, and has 3 children. Her husband works as a handyman in a private construction company. Zulfiya has borrowed from Humo previously, and has now approached the organisation for a loan of 2,000 US dollars to buy cattle and feed. She has been working in animal husbandry for over 15 years, and she buys and sells bulls and cows. She also sells milk and kefir (a type of yogurt drink.) Each day 2 of her cows give 10 litres of milk, 8 of which she sells at a reasonable price. In addition, she grows crops on her 2 hectares of rented land, where she intends to sow rice with the income generated by this loan for cattle.
View original language description ↓
Зулфия жительница Спитаменского района. Ей 31 год. Она замужем. Зулфия является матерью троих детей. Она живет с мужем. Ее муж работает в частной строительной организации, разнорабочим.
Зульфия обратилось в Хумо за повторным займом в размере 2000 долларов США для закупа крупно-рогатого скота и корма. Она занимается купле - продажей бычков и коров. Животноводством Зулфия занимается уже более 15 лет. В этом ей помогает ее муж. Также Зулфия занимается продажей молока и кефира. В день 2 ее коровы дают 10 литров молока. Зулфия продает 8 литров молока недорого. Кроме того она занимается посевом сельскохозяйственных культур. У нее имеется 2 га арендованной земли, где она намерена посеять рис за счет полученной прибыли от продажи скота.

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
  • 180
    View loans »
    Tajikistan Loans Fundraising
  • $30,358,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Zulfiya to buy cattle and feed so she can use the profit to sow rice.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 8, 2013
Mar 1, 2013
Currency Exchange Loss:
Mar 17, 2014