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Toir is a 20 years old young man. He is single and lives with his parents, sister and brother in the city of Dushanbe. Toir is a herdsman. He helps his father with breeding cattle. He also has a dairy cow with a calf, which he looks after himself. Every morning his mother milks the cow, and sells the five liters of milk to her customers.

Currently, Toir would like to start his own livestock breeding business, as he has now acquired sufficient experience in this business. He intends to purchase around three heads of cattle per month, and after having fattened them, sell them at the local market with a good profit.

Toir has a starting capital of the amount of around 7,000 somoni (TJS). Nonetheless, he needs to take a loan. For the loan amount and the savings, Toir would like to purchase three bulls and their fodder, and also expand the cowshed and carry out repair work there. He will appreciate the support very much. Thanks to the loan he will finally have his own business and expand it in the future.
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Тоир 20-летний молодой человек. Он холост и живет с родителями, сестрой и братом в городе Душанбе. Тоир является скотоводом. Он помогает своему дяде в разведении скота. И к тому же у Тоира имеется одна дойная корова с теленком, за которым присматривает он сам. Каждое утро его мать доит корову и полученный 5 литр молока продает своим клиентам. Сейчас Тоир хочет начать свой животноводческий бизнес, так как приобрел в этом деле достаточный опыт. Он намерен закупать каждый месяц по трех голов крупного рогатого скота, и после откорма продавать на местном рынке с хорошей наценкой. Тоир имеет стартовый капитал в размере около 7000 TJS. Тем не менее он нуждается в кредите. Тоир на сумму кредита и сбережения хочет приобрести трех голов бычков и их корма, а также расширить коровник и провести там ремонтные работы. Он будет очень признателен за поддержку. Благодаря кредиту он наконец-то будет иметь свой собственный бизнес и развивать его в дальнейшем.

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
  • 99
    View loans »
    Tajikistan Loans Fundraising
  • $29,901,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Toir to purchase three bulls and their fodder to start a business of fattening and reselling cattle.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 12, 2013
Jun 23, 2013
Currency Exchange Loss:
Sep 17, 2014