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Zulhiya S. lives in the city of Vahdat. She has no educational background, but has been working in agriculture her whole life. She plants vegetables, wheat, and other grains. She is married and has 5 children. Raising such a big family isn’t that easy. Her husband doesn’t make that much money. She sells most of her crop at the market , and uses the rest for her family . Now, she plans on taking out a loan to buy enriched fertilizer and seeds. That way, she can prepare the soil for a new season. She plans on repaying the loan within 12 months.

Translated from Russian by Dan Ostrovsky, Kiva volunteer.

Саъдиева Зульхия проживает в городе Вахдат. Образования не имеет . Но всю жизнь занимается земледелием. Сажает овощи , сеет пшеницу и другие культуры. Она замужем и имеет 5 детей. Содержать такую большую семью не так уж просто. Муж зарабатывает не много. Ее деятельность помогает обеспечивать семью , так как урожай частично оставляет себе , а большую часть продает на рынке. Сейчас планирует получить кредит и закупить минеральные удобрения и семена. Таким образом она подготовит землю к новому посевному сезону. Погасить кредит сможет в течение 12 месяцев.

Additional Information

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
  • 143
    View loans »
    Tajikistan Loans Fundraising
  • $29,314,475
    Funds lent in using Kiva
  • 3.4
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Zulhiya приобретение удобрений и семян.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 16, 2008
Oct 1, 2008
Currency Exchange Loss:
Nov 15, 2009