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Update on Barno

Barno has again asked for a loan. She took out her previous loan in order to purchase swimsuits and women's underwear to increase turnover. Unfortunately, in the fall of last year, there was a fire on the market where she was a vendor and all of her goods were burned. Barno has survived very difficult circumstances in her business, but she has not despaired. She is a motivated woman and is always moving forward. Barno has decided to once again resume her business, as it was providing her with a good income. Because of this, she has asked for a loan for the purchase of merchandise. She will again be selling women's underwear. And she awaits your support.
View original language description ↓
Барно повторно обращается за кредитом. Свой предыдущий кредит Барно брала для покупки купальников и женского нижнего белья для увеличения товарооборота. К сожалению, осенью прошлого года произошел пожар, на рынке где она торговала и весь ее товар сгорел. Барно пережила очень трудные положения в своем бизнесе, однако она не отчаялась. Она целеустремленная женщина и движется всегда вперед. Барно намерена заново начать свою предпринимательскую деятельность, так как он приносил ей хороший доход. Поэтому она обращается за кредитом для закупа товара. Она снова будет торговать женским нижним бельем. И она ждет Вашей поддержки.

Previous Loan Details

Barno lives in the city of Dushanbe. She is 43 years old, married and has one child. Barno has her own business. She works at the Korvon market. She has been involved in selling women's undergarments for six years. Her husband helps her with the sales. Barno is hardworking. She plans to op... More from Barno's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Tajikistan

  • $2,700
    Average annual income
  • 169
    View loans »
    Tajikistan Loans Fundraising
  • $29,656,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,950 helped Barno to purchase women's underwear in order to restart her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 13, 2013
Jun 23, 2013
Currency Exchange Loss:
Jul 17, 2014