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Bibigul is a 42-year-old married woman from the Khuroson region in Khatlon Province, Tajikistan. She is an attentive mother of two daughters and one son. Her daughters, ages 19 and 17, have both finished school. Her son is 13 and still in school. Her husband has gone to work in Russia. Her mother-in-law, who is retired, also lives with them. Bibigul is a homemaker, and now she would like to start a livestock business, namely buying and selling small livestock. Her starting capital amounts to 650USD, which she has saved from money sent by her husband. She is seeking a loan to achieve her goal. Between the loan and her savings she is planning to buy five head of cattle and calves and some cattle feed. Down the road Bibigul would like to put earnings from the business toward repairs on her house.
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Бибигул 42-летняя замужняя женщина, проживающая в районе Хуросон, Хатлонской области Таджикистана. Она заботливая мать двоих дочерей и одного сына. Оба ее дочерей уже окончили школу - им по 19 и 17 лет, а сыну 13 лет и он еще учится. Муж Бибигул уехал на заработки в Россию. С ними также живет ее свекровь, которая является пенсионеркой. Сама Бибигул домохозяйка. Сейчас она хотела бы начать животноводческий бизнес, а именно куплю-продажу крупного рогатого скота. Ее стартовый капитал составляет 650 долларов США, накопленные за счет высланных денег мужа. Чтобы реализовать свою цель Бибигул обратилась за кредитом. Она на сумму кредита и сбережения собирается купить 5-голов коров и телят, а также корм скота. В дальнейшем за счет прибыли с деятельности Бибигул хочет провести ремонт в доме.

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
  • 108
    View loans »
    Tajikistan Loans Fundraising
  • $29,894,325
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,700 helped Bibigul to buy five head of cows and calves and feed for cattle.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 30, 2013
Aug 6, 2013
Currency Exchange Loss:
Jun 17, 2014