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Mohbegim lives in the in city of Dushanbe, the capital of Tajikistan. She is a 54-year-old widow with one son and one daughter. Mohbegim intends to open a flat bread bakery. She believes that this is a good option for a family business because bread is a product that is always in demand, regardless of the time of year or other circumstances. Thus, Mohbegim has already built an oven in her yard and has procured necessary accessories. Now, she must obtain permits from the local authorities and purchase the raw materials for producing flat bread. In order to achieve her goal, she has applied for a loan. Her son, daughter and son-in-law will help her with the business. In addition, she will also hire two workers. Mohbegim plans to produce 1,500 flat breads per day. With the help of this business, she would increase her family's income and her family's living conditions would improve.
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Мохбегим проживает в столице Таджикистана в городе Душанбе. Она 54-летняя вдова, у нее один сын и дочь. Мохбегим имеет намерение открыть лепёшечную пекарню. Она считает, что это хороший вариант семейного бизнеса и к тому же хлеб - это такой продукт, который востребован всегда независимо от времени года или других обстоятельств. Таким образом во дворе своего дома Мохбегим уже построила пекарню и снабдила необходимыми принадлежностями. Теперь ей необходимо заполучить разрешительные документы у местных властей и закупить сырье для производства лепешки. Чтобы реализовать свою цель она обратилась за кредитом. В этом бизнесе ей будут помогать сын, дочь и зять. Дополнительно она будет нанимать двух рабочих. Мохбегим планирует производить в день 1500 лепешек. С помощью этого бизнеса она увеличит семейный доход и условия проживания ее семьи улучшится.

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
  • 98
    View loans »
    Tajikistan Loans Fundraising
  • $29,901,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,500 helped Mohbegim to obtain permits to open a bakery and to purchase raw materials.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 5, 2013
Jun 7, 2013
Currency Exchange Loss:
Dec 17, 2014