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Zebo is a resident of the J.Rumy region, which is situated in the south of Tajikistan. She is 59 years old. She is married and the mother of three adult children. Zebo's husband has gone to another country as a migrant worker, and every month sends her a certain amount of money.

Zebo has some savings, and currently she would like to work with livestock breeding. She is interested in buying and reselling cattle. She plans to purchase around 6 heads of cattle and calves every month, fatten them for a period of a month, and then resell them with a profit. She has a cowshed and fodder for cattle in her courtyard, and further the livestock market is not far from her home, and therefore Zebo will not have transportation costs.

Zebo needs a loan in the amount of 3000 US dollar. She would like to purchase six heads of cattle and start this business. She plans to spend the income on repairing her house and also to advance her business.
View original language description ↓
Зебо жительница района Дж.Руми, расположенного в южной части Таджикистана. Ей 59 лет. Она замужем и является матерью троих взрослых детей. Муж Зебо уехал на заработки в другую страну и каждый месяц высылает ей определенную сумму денег. Зебо накопила немного сбережения и теперь хотела бы заняться животноводством. Ее интересует купля и продажа крупнорогатого скота. Она планирует каждый месяц закупать по 6-голов коров и телят, откармливать их в течение месяца и продавать по прибыльной цене. При дворе ее дома имеется коровник и корм для скота, а также скотный рынок находится недалеко от ее дома и поэтому у Зебо не будут дорожных затрат.
Зебо нуждается в кредите в размере 3000 долларов США. Она хочет купить 6-голов крупнорогатого скота и приступить к деятельности. Полученную прибыль она планирует потратить на ремонт дома, а также на продвижение бизнеса.

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
  • 218
    View loans »
    Tajikistan Loans Fundraising
  • $29,714,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Zebo to purchase six heads of cattle, in order to start a business of fattening and selling cattle.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Jul 30, 2013
Aug 7, 2013
Currency Exchange Loss:
Sep 17, 2014