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Update on Norjamol

Norjamol is applying for her second loan. She took her previous loan for the purchase of mineral fertilizer and seed onions. She got a good crop of onions and with the profit from their sale bought her daughter a sewing machine.

Now Norjamol is asking for a loan for new activities. At the same time, she wants to raise livestock. Norjamol plans to buy two heads of cattle each month, to fatten them for a month, and then to sell at the livestock market. She has all the conditions for raising cattle.

To start a new business, Norjamol is requesting a loan to buy two heads of cattle and their feed.
View original language description ↓
Норжамол уже второй раз обращается за кредитом. Свой предыдущий заем она брала для приобретения минеральных удобрений и семян лука. Она получила хороший урожай лука, за счет прибыли с продажи урожая она купила дочери швейную машинку.
Теперь Норжамол просит кредит для новой деятельности. Она хочет одновременно заняться животноводством. Норжамол планирует закупать каждый месяц по двух голов бычков, откармливать их в течение месяца и затем продавать на скотном рынке. У нее имеются все условия для разведения скота. Чтобы начать бизнес, Норжамол запрашивает кредит для закупа двух голов бычков и их корма.

Previous Loan Details

Norjamol lives in the Shahrituz region. She's fifty-nine, married, and has four children. Her husband is a farmer, and she grows vegetables She has a parcel of land by her house. Norjamol is getting a loan to buy fertilizer and onion seed. More from Norjamol's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Tajikistan

  • $2,700
    Average annual income
  • 113
    View loans »
    Tajikistan Loans Fundraising
  • $29,894,325
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Norjamol to purchase two heads of cattle and their feed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 25, 2013
May 24, 2013
Currency Exchange Loss:
Apr 16, 2014