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Surayo is a resident of the Rudaki district and involved in baking. She is 25 years old. She has a husband and two small children. Surayo has been involved in baking cookies and cakes for sale since 2008. A small bakery, where Surayo is involved in baking, was built in the yard of her house. She bakes various delicious cookies and cakes every day and distributes them among stores and supermarkets the same day. Her products sell very well, and the demand grows day-after-day. Because fresh home baked goods are always in demand among customers, Surayo needs to increase her production. This is why she requested this loan to buy flour, margarine, sugar, eggs and walnuts for baking a large quantity of cookies and cakes for sale. She plans to spend the profit from sales on expanding her business.
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Сурайё жительница района Рудаки занимается выпечкой. Ей 25 лет. У нее есть муж и двое маленьких детей. Сурайё с 2008 года занимается выпеканием печенье и тортов для продажи. При дворе ее дома построена маленькая пекарня, где Сурайё занимается там выпечкой. Каждый день она печет разные вкусные печенье и торты, и в тот же день распределяет их по магазинам и супермаркетам. Ее продукция очень хорошо расходится и день за днем спрос на них увеличивается. Так как домашняя свежая выпечка всегда в спросе у покупателей. Сурайё необходимо увеличить свою продукцию. Поэтому она обратилась за кредитом для закупа муки, маргарина, сахара, яиц, грецких орехов для выпечки большего количества печенье и тортов на продажу. Прибыль с продажи она планирует потратить на расширение бизнеса.

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
  • 145
    View loans »
    Tajikistan Loans Fundraising
  • $29,656,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $2,100 helped Surayo to buy flour, margarine, sugar, eggs and walnuts for baking a large quantity of cookies and cakes for sale.
99% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 18, 2013
Jul 22, 2013
Currency Exchange Loss:
Jan 17, 2015