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Hamida is an educated woman who lives in Rudaki. She is 39 years old, married and has three children. Hamida has a college degree and works as a teacher at the local school. Since her salary is too small toprovide for her family, Hamida has decided to start her own business. The hot summer is the season for selling watermelons and cantaloupes. Hamida analyzed the market and decided to sell these fruits. She has already purchased a market stall and she has a starting capital of 4000 somoni, which were sent by her husband, a migrant worker in Russia. Hamida will use this loan along with her savings to purchase watermelons and cantaloupes and start selling them. This lucrative business will help Hamida improve the financial situation of her family.
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Хамида образованная женщина, проживающая в районе Рудаки. Ей 39 лет. Она замужем и у нее трое детей. Хамида имеет высшее образование. Она работает учительницей в средней школе. Так как ее зарплата очень маленькая и не хватает на нужды семьи, Хамида решила заняться собственным бизнесом. Жаркое лето это сезон торговли арбуза и дыни. Поэтому Хамида проанализировав решила заняться торговлей в этой сфере. Она уже приобрела торговую точку на рынке района. К тому же у нее имеется стартовый капитал в размере 4000 сомони, высланные мужем, который находится на заработках в России. Хамида запрашивает кредит. Она на сумму кредита и сбережения хочет закупить арбузы и дыни, и начать торговлю. Занявшись этим прибыльным бизнесом, Хамида сможет улучшить финансовое положение семьи.

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
  • 268
    View loans »
    Tajikistan Loans Fundraising
  • $30,430,025
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,700 helped Hamida to purchase watermelon and cantaloupes and start her own business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 1, 2013
Jul 15, 2013
Currency Exchange Loss:
Nov 17, 2013