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Toshmamat is an inhabitant of the village Aivach in the Shahrituz region. He is 48 years old. He is married and the father of two sons. The elder son is working abroad, and the second son works in construction. Toshmamat himself is an experienced dekhan (group) farmer. He cultivates crops. His wife helps him in farming and together they promote the activity.

At the same time, Toshmamat wants to start a business fattening and reselling cattle. In their village, there is a good pasture for livestock. And besides that, Toshmamat has 0.5 hectares sown with wheat straw which together with oil cake he will use to feed the livestock. In this way he will not need to buy food. Toshmamat is only taking a loan for the purchase of cows and calves to get down to business.
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Тошмамат житель села Айвач Шахритусского района. Ему 48 лет. Он женат и отец двоих сыновей. Старший сын находится на заработках за пределами страны, а второй сын работает на стройке. Сам Тошмамат является опытным дехканином. Он занимается выращиванием сельскохозяйственной культуры. Его жена помогает ему в ведении сельского хозяйства и они вместе продвигают деятельность. Одновременно Тошмамат хочет начать бизнес откорм-продажа крупнорогатого скота. В их селе имеется хорошее пастбище для разведения скота. И к тому же Тошмамат имеет 0,5га посеянной пшеницы, солому которой вместе с жмыхом он будет использовать для корма скота. Таким образом он не будет покупать корм. Тошмамат берет кредит только для закупа коров и телят, чтобы приступить к делу.

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
  • 246
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Toshmamat to buy, fatten, and resell cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 17, 2013
Jun 23, 2013
Currency Exchange Loss:
Jul 17, 2014