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Zabiniso is a woman with a kind heart, a caring mother and persistent in achieving her goals. She is married, has three sons and lives with her family in the town of Vahdat. She is 45 years old. Zebiniso has a goal to start her own business. She can sew traditional women's dresses. This is a profitable business because the services for sewing are always in demand. Zebiniso has come for a loan to buy an electronic sewing machine and fabrics. She plans to sew 25 regular dresses and 20 dresses with embroidery a month depending on the customer orders. This new business will help Zebiniso become independent and improve her living conditions.
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Зебинисо женщина с добрым сердцем, заботливая мать и упорный человек в достижении цели. Она замужем, имеет троих сыновей и живет с семьей в городе Вахдат. Ей 45 лет. Зебинисо имеет намерение начать собственное дело. Она умеет вышивать женские национальные платья. Это весьма прибыльное дело, так как услуги швеи всегда в спросе. Зебинисо обратилась за кредитом, чтобы приобрести компьютерную швейную машину и ткани. Она планирует в месяц вышивать по 25 обычных платьев и 20 платьев с вышивкой, в зависимости от заказа клиентов. Новый бизнес поможет Зебинисо стать независимой и улучшить качества условий жизни.

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
  • 211
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,500 helped Zebiniso to buy an electronic sewing machine and fabric to open a new business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 12, 2013
Jun 21, 2013
Currency Exchange Loss:
Jul 17, 2015