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Azamat is an enterprising, young man of 23 years. He is married, but does not yet have children. Azamat resides with his wife and parents in the village district of Shahrituz. Azamat decided to start a cattle breeding business, namely in raising beef cattle. This is a very profitable business, as the costs for caring for cattle are small and the demand for meat and meat products is consistently high.

Azamat has a business plan for cattle breeding. He plans to buy five heads of cattle each month, to fatten them for one month and then to put them out for sale at the local cattle market. Azamat works in a micro-deposit organization and has an accumulated savings of 2,100 somoni. However, in order to realize his objective, this sum is not sufficient and so he turned to HUMO for a loan. With the accumulated savings and loan, he wants to get five heads of cattle and their feed.

Azamat promises to repay the loan on time. His parents, who have a lot of experience in this area, will help run the business. This loan will help Azamat to start his own family business and to significantly improve their quality of life.
View original language description ↓
Азамат молодой предприимчивый человек в возрасте 23-х лет. Он женат, но еще не имеет детей. Азамат с женой и с родителями проживает в селе района Шахритус. Азамат решил заняться животноводческим бизнесом, а именно разведением мясных коров. Это весьма прибыльный бизнес. Так как расходы на содержание скота невелики, а спрос на мясо и мясные продукты стабильно высокий.
Азамат имеет свой бизнес-план по разведению скота. Он планирует закупать каждый месяц по 5 голов крупнорогатого скота, откармливать их в течение одного месяца и затем выводить на продажу на местный скотный рынок. Азамат работает в микро депозитной организации и накопил сбережение в размере 2100 сомони. Однако для реализации цели эта сумма недостаточна и поэтому он обратился в ХУМО за кредитом. Он на сумму сбережения и кредита хочет приобрести 5 голов коров и телят и их корм. Азамат обещает выплачивать кредит в срок. Ему в ведении нового бизнеса будут помогать родители, у которых большой опыт в этой области. Данный кредит поможет Азамату начать собственный семейный бизнес и уровень их жизни 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
  • 213
    View loans »
    Tajikistan Loans Fundraising
  • $29,714,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,100 helped Azamat to buy five heads of cattle and feed in order to start a livestock business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 3, 2013
Jul 12, 2013
Currency Exchange Loss:
Jul 17, 2015