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Zainab is 53 years old. She is a married woman with five children. Zainab lives in the J. Rumy district, in the southern part of Tajikistan. She and her husband are involved in growing agricultural crops and also in breeding cattle for their household. Recently, Zainab's daughter learned sewing from a seamstress in their village and now can independently sew women's national dresses. At the present time, she needs a sewing machine in order to start her own business. The mother wants to support her daughter in opening the sewing business and, therefore, requested a loan. Zainab plans to use the loan to buy her daugher a computerized sewing machine. Seamstresses are always in demand in their village because young women and women often come to them for making dresses. Zainab plans to save the profit from the business for her daughter's wedding.
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Зайнаб 53 года. Она замужняя женщина, имеющая пятерых детей. Зайнаб проживает в районе Дж.Руми в южной части Таджикистана. Она вместе с мужем занимается выращиванием сельскохозяйственной культуры, а также разведением коров для домашнего хозяйства. Недавно дочь Зайнаб у портнихи их села научилась кройке и шитью, и теперь она самостоятельно может шить национальные женские платья. В данный момент ей необходима швейная машинка, чтобы начать собственное дело. Мать хочет поддержать дочь в открытии швейного дела и поэтому обратилась за кредитом. На сумму кредита Зайнаб собирается купить дочери компьютерную швейную машинку. В их селе услуга швеи всегда в спросе, так как девушки и женщины часто обращаются к ним для шитья платья. Прибыль с деятельности Зайнаб собирается откладывать на свадьбу самой дочери.

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
  • 155
    View loans »
    Tajikistan Loans Fundraising
  • $29,656,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $875 helped Zainab to buy a sewing machine for her daughter to start a sewing business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 11, 2013
Jul 22, 2013
Currency Exchange Loss:
May 17, 2014