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Zulaikho is 43 years old, married, and the mother of one son. In recent years, her husband has not lived with her and her son. They are not divorced, but her husband has a separate life. Zulaikho is raising her son as a single parent. She always tries to work diligently so that her son doesn't go without anything he needs. She would like to open a sewing business. She is able to fabricate the national women's dress and embroider it. She already knows who her first clients will be: her close relatives, neighbors, and friends. Zulaikho plans to sew two dress a day, one simple, the other more ornate. In order to achieve this goal, she is asking for a loan to buy a computerized sewing machine and fabric. Thanks to this loan, Zulaikho will have her own lucrative business and her life, as well as her son's, will be considerably improved.
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Зулайхо 43 года. Она замужняя женщина и мать одного сына. В последние годы муж с ними не живет. Хотя они не разведены, но у мужа отдельная жизнь. Зулайхо одна воспитывает сына и она всегда старается работать усердно, чтобы сын ни в чем не нуждался. Сейчас Зулайхо хотела бы открыть швейное дело. Она умеет шить национальные женские платья и делать на них вышивку. Она уже знает кто будет ее первыми клиентами: это близкие родственники, соседи, подруги. Зулайхо планирует в день вышивать по два платья, одно простое, а другое с вышивкой. Чтобы реализовать свою цель Зулайхо просит кредит для приобретения компьютерной швейной машинки и ткани. Благодаря кредиту Зулайхо будет иметь собственный прибыльный бизнес и жизнь семьи - ее и сына намного улучшится.

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
  • 205
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Zulaikho to buy a computerized sewing machine and fabric.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 13, 2013
Jun 28, 2013
Currency Exchange Loss:
Jul 17, 2015