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Saida is an unwed young woman, 30 years old. She lives with her parents in the Gissar region, located in the central-western part of Tajikistan. She has received a higher education and works in a cotton mill. Saida also is a professional dressmaker. In her free time, she embroiders the national dress and teaches students to cut and sew. Now, Saida wants to open her own business in the industry. She is asking for a loan to buy a new sewing machine for embroidery. She plans to take orders, working from home, and to increase the number of students she has. Saida is hoping for a successful beginning for her new endeavors and in the future, she plans to open her own sewing guild.
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Саида незамжняя молодая девушка. Ей 30 лет. Она живет вместе с родителями в Гиссарском районе, в центрально-западной части страны. У Саиды среднее образование. Она работает в хлопкоочистительном заводе. Саида еще и профессиональная портниха. В свободное от работы времени она вышивает для себя национальные платья и обучает учеников кройке и шитью. Сейчас Саида хотела бы открыть свое дело в этой сфере. Она запрашивает кредит для приобретения новой швейной машины для вышивки. Она собирается принимать заказы у себя дома и увеличить количество своих учеников. Саида надеется на успешное начало своей деятельности и в будущем планирует открыть собственный швейный артель.

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
  • 263
    View loans »
    Tajikistan Loans Fundraising
  • $30,418,550
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Saida to buy a new sewing machine.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 30, 2013
May 11, 2013
Currency Exchange Loss:
May 17, 2014