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Rukhsora is a young, married woman of the age of 29. She lives in the city of Dushanbe.

Currently Rukhsora does not work, however, she knows how to sew women's national dresses. Now she would like to use her knowledge in the professional arena, and open her own sewing business, which is in high demand. In the beginning her first customers will be relatives, acquaintances and neighbors. She plans to sew one simple dress and one with embroidery per day. Rukhsora will take orders at her home.

In order to realize her goal, Rukhsora requests a loan. For the loan amount, she would like to purchase a sewing machine and fabric for sewing. After having started her own business, Rukhsora will be able to improve the financial situation of the family.
View original language description ↓
Рухсора молодая замужняя женщина в возрасте 29 лет, проживает в городе Душанбе. В данный момент Рухсора не работает, однако она умеет шить женские национальные платья. Теперь она хотела бы использовать свое умение на профессиональном поприще и открыть собственное швейное дело, который имеет хороший спрос. В начале бизнеса ее первыми клиентами будут близкие, знакомые, соседи. Она планирует в день вышивать одно простое платье и одно платье с вышивкой. Рухсора будет принимать заказы у себя дома. Чтобы осуществить свою цель, Рухсора запрашивает кредит. На сумму кредита она хочет приобрести швейную машину и ткани для шитья. Открыв собственное дело Рухсора смогла бы улучшить финансовое положение семьи.

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
  • 268
    View loans »
    Tajikistan Loans Fundraising
  • $30,430,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Rukhsora to purchase a sewing machine and fabric for sewing.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
May 29, 2013
Jun 23, 2013
Currency Exchange Loss:
Jul 17, 2015