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Saodatkhon is a resident of Qubadiyon, Tajikistan. She is 24 years old, married and has two daughters. Saodatkhon is a caring mother and a hardworking person. She works in agriculture. Now, she wants to start her own business to increase her family's income so that her children won't want for anything. She is planning to sell children's clothing and has already obtained space (3x5 meters) from which to do so at a local market. Saodatkhon has savings from the sale of her crops and her husband's income. For the rest of the money needed, she is asking for a loan. She is taking out a loan to buy seasonal children's clothing. She plans to buy the goods wholesale from a market in Dushanbe and sell them at retail in her own region. Saodatkhon believes that her business will be successful.
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Саодатхон жительница района Кубадиён. Ей 24 года. Она замужем и имеет двоих дочерей. Саодатхон заботливая мать и трудолюбивый человек. Она занимается земледелием. Сейчас Саодатхон имеет намерение начать новый бизнес и улучшить уровень семейного дохода, чтобы ее дети ни в чем не нуждались. Она собирается заняться торговлей детской одежды и на рынке района уже приобрела торговую точку размером 3х5 метра. У Саодатхон имеется сбережение, накопленные от продажи урожая и зарплаты мужа, остальную часть денежной суммы она запрашивает в заем. Саодатхон берет кредит для закупа сезонной детской одежды. Она планирует приобрести товар с оптового рынка города Душанбе и продавать его по розничной цене в своем районе. Саодатхон верит, что ее бизнес будет успешным.

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
  • 206
    View loans »
    Tajikistan Loans Fundraising
  • $29,700,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Saodatkhon to buy seasonal children's clothing to sell.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 7, 2013
Jun 13, 2013
Currency Exchange Loss:
Nov 17, 2014