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Shahnoza is a young, married 29 year-old woman. She lives with her family in the city of Dushanbe. Shahnoza has a higher education in economics, but has not worked in her profession since getting married. Now Shahnoza decided to work and be an independent woman. Shahnoza's mother has a successful retail business. She sells fabrics and materials. Shahnoza has intentions to also start her own retail business. She already leased a retail outlet at the central market of the city. Shahnoza's starting capital amounts to 1000 US dollars. However, this amount is not enough to purchase merchandise. This is why Shahnoza requested a loan. Shahnoza wants to use the loan and her savings to purchase fabrics and materials and start her sales. According to Shahnoza's words, her mother, who brings merchandise from Turkey, will be the supplier of merchandise. Shahnoza believes that her business will also be successful because her mother will be helping her. Thanks to the loan, Shahnoza will have her own business, which will yield her a good income.
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Шахноза молодая замужняя женщина в возрасте 29 лет. Она проживает со своей семьей в городе Душанбе. Шахноза имеет высшее экономическое образование, но после замужества не работала по своей специальности.
Сейчас Шахноза решила работать и быть независимой женщиной. Мать Шахнозы имеет успешный торговый бизнес. Она торгует тканями и материалами. Шахноза имеет намерение тоже начать собственный торговый бизнес. Она уже арендовала торговую точку на центральном рынке города. Стартовый капитал Шахнозы составляет 1000 долларов США. Однако этой суммы недостаточно, чтобы закупить товар. Поэтому Шахноза обратилась за кредитом. Она на сумму кредита и своего сбережения хочет закупить ткани материалы и начать торговлю. По словам Шахнозы поставщиком товара для нее будет ее мать, которая привозит товар с Турции. Шахноза верит, что ее бизнес тоже будет успешным, так как ей будет помогать мать.
Благодаря кредиту у Шахнозы будет свой бизнес, который будет приносить ей хороший доход.

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
  • 114
    View loans »
    Tajikistan Loans Fundraising
  • $29,880,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Shahnoza to purchase fabrics and materials to start her own retail business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 18, 2013
Jul 30, 2013
Currency Exchange Loss:
Apr 17, 2015