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Umed is 23 years old, married, and has a young daughter. He and his family live with his parents in the Qubadiyon district. Umed is getting ready to start a livestock business. This is the most profitable branch of agriculture in Tajikistan due its natural geography, as 93% of the land consists of mountains and foothills. Qubadiyon is located in the foothills, where there is good pasture land. Umed is planning to buy and sell cattle. Every month he will buy two calves, fatten them up over the course of a month, and then sell them at a profit. He already has a 5x3 meter cowshed and 800 TJS in savings. He has asked for a loan in order to purchase the cattle and feed.
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Умед житель района Кубадиён. Ему 23 года. Он женат и живет с женой и маленькой дочерью у родителей. Умед собирается начать животноводческий бизнес. Животноводство в Таджикистане является экономически самой выгодной отраслью сельского хозяйства. Это обуславливается естественным условием Таджикистана, где 93% всей территории занимают горы и предгорные районы, имеющие хорошие пастбищные зоны. Кубадиён в числе таких предгорных район. Умед планирует заняться куплей и продажей крупно-рогатого скота. Он будет каждый месяц закупать двух голов бычка, откармливать в течение месяца и затем продавать с наценкой. У него имеется сбережение в размере 800 TJS, а также коровник размером 5х3м. Чтобы закупить скот и его корм, он обратился за кредитом.

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
  • 156
    View loans »
    Tajikistan Loans Fundraising
  • $29,643,975
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Umed to buy two calves and feed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 7, 2013
Jun 12, 2013
Currency Exchange Loss:
Jun 17, 2014