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Zarifa is 25, and married. She lives with her husband, daughter, and parents in Spitamen. Her husband operates a private taxi service. Her in-laws are high school teachers. Zarifa herself is involved in farming. Now she would like to start a business in animal husbandry. She is requesting a loan for buying and selling cattle. She is planning to buy four head of cattle, and fatten them for two months, and then sell them on the livestock market at a profit. She has a good place for the cattle. Her family is going to help her with the business, Zarifa is counting heavily on your support.
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Зарифа молодая замужняя женщина. Ей 25 лет. Она с мужем, дочерью и родителями мужа проживает в районе Спитамен. Ее муж занимается предоставлением услуги такси. Свёкор и свекровь работают учителями в средней школе. Сама Зарифа занимается сельским хозяйством. Сейчас она хотела бы начать бизнес в сфере животноводства. Зарифа запрашивает кредит для купли и продажи крупнорогатого скота. Она планирует закупать по 4-х голов крупнорогатого скота, откармливать их в течение двух месяцев и затем продавать на скотном рынке с наценкой. У нее имеется место для разведения скота. В новом бизнесе ей будет помогать семья. Зарифа очень надеется на Вашу поддержку.

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
  • 115
    View loans »
    Tajikistan Loans Fundraising
  • $29,875,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,950 helped Zarifa to buy four cows for fattening and later resale.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
May 28, 2013
May 30, 2013
Currency Exchange Loss:
Dec 17, 2013