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Zamira is a resident of the town of Istaravshan, located in the north of Tajikistan. She is 36 years old. She is an independent woman and has her own retail business.

Zamira is married. She has one daughter and son, studying in school. Her husband at the moment is working abroad. Zamira leases a retail space in the general store, where she sells furniture. She mainly sells bedroom and kitchen sets, as well as mirrors. She has been in this field for five years and receives a good profit from the business, part of which she spends on supporting the family and part on promoting the business.

Three times a month, Zamira buys her good from the city of Khujand and brings for sale only beautiful, high-quality, and comfortable furniture. She works in her store eight hours per day.

With the goal of developing the business, Zamira applied for a loan. She wants to buy furniture and in this way to expand inventory.
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Замира жительница города Истаравшан, расположенный на севере Таджикистана. Ей 36 лет. Она независимая женщина, имеет собственный торговый бизнес. Замира замужем. У нее одна дочь и сын, учащиеся в школе. Ее муж в данное время находится за рубежом на заработках. Замира в универсальном магазине арендует торговую точку, где занимается продажей мебели. Она в основном продает спальные и кухонные гарнитуры, а также зеркала. Она в этой области уже 5 лет и получает с бизнеса хорошую прибыль, часть которую она тратит на обеспечение семьи и часть на продвижение бизнеса. Замира в месяц трижды закупает свой товар с города Худжанд и привозит на продажу только красивую, качественную и удобную мебель. Она работает в своем магазине 8 часов в день. С целью развития бизнеса Замира обратилась за кредитом. Она хочет закупить мебель и таким образом увеличить товарооборот.

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
  • 181
    View loans »
    Tajikistan Loans Fundraising
  • $30,367,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Zamira to buy furniture in a store to develop her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 18, 2013
Aug 2, 2013
Currency Exchange Loss:
Mar 17, 2014