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Gulsara is a young single woman. She is 29 years old. She lives together with her mother, brothers and a younger sister in the city of Kulob. Her brothers are working in Russia. Gulsara finished school and has a secondary education. She is an entrepreneurial and hardworking young woman. Gulsara wants to start a business in the retail field. She saved money and built a store near her home. Gulsara is requesting this loan to purchase merchandise in order to fill the store displays with food products. This is her first time getting involved in business and her younger sister will be helping her with it.
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Гулсара молодая незамужняя девушка. Ей 29 лет. Она живет вместе с матерью, братьями и младшей сестрой в городе Куляб. Её братья находятся в России на заработках. Гулсара окончила школу и у нее среднее образование. Она предприимчивая и трудолюбивая девушка. Гулсара хочет начать бизнес в области торговли. Она накопила деньги и построила магазин рядом с домом. Гулсара берет кредит для закупа товаров, чтобы заполнить витрины магазина продуктами питания. Она впервые занимается бизнесом, и в этом деле ей будет помогать младшая сестра.

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
  • 189
    View loans »
    Tajikistan Loans Fundraising
  • $30,410,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Gulsara to purchase food products.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 19, 2013
Jun 24, 2013
Currency Exchange Loss:
Jan 17, 2015