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Khujaqul lives in the Shahrituz region in the south-western part of Tajikistan. He is 42 years old, married, and has 3 children. One of his sons is currently working abroad. Khujaqul and his wife work in the "dekhkan" farming sector, which is an agricultural system unique to Tajikistan whereby small individual or collective private farms are set up to be worked by a few people, and where the main crops grown are cotton, wheat, or vegetables, accounting for 60% of irrigated land use in the country. Now Khujaqul wants to start his own business in the area of animal husbandry because this field is profitable and does not require a great deal of physical labour. With this aim in mind, he is now seeking a loan for the purchase and sale of cattle.
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Хучакул житель района Шахритус, расположенный в юго-западной части Таджикистана. Ему 42 года. У него жена и трое детей. Один его сын работает за пределами страны. Сам Хучакул вместе с женой работает в дехканском хозяйстве. Дехканское хозяйство это небольшое индивидуальное или коллективное частное хозяйство в котором работают несколько людей и где в основном выращивают хлопок, пшеницу или овощи - которые занимают 60% орошаемых земель в Таджикистане. Сейчас Хучакул хочет начать свой бизнес и для этого выбрал животноводство, так как это прибыльное дело и не требует тяжелой работы. С этой целью Хучакул запрашивает кредит для купли и продажи крупнорогатого скота.

Additional Information

More information about this loan

This loan is part of Humo's startup loan program targeting particularly vulnerable clients who live at subsistence and do not qualify for the standard loan due to lack of income from an existing business. This program offers clients up to a 4-month grace period on the loan. By funding this loan, you are supporting borrowers who have limited options to start and grow small businesses. This has the potential to alleviate the effects of poverty, significantly improving borrowers' incomes and their families' quality of life. 

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
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Khujaqul to buy and sell cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 15, 2013
Mar 27, 2013
Currency Exchange Loss:
Aug 17, 2013