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Musavara is a young unmarried woman. She is 21 years old and she lives with her parents and two brothers in the Hamadoni region. Her father is retired, her mother is a homemaker and her elder brother is a migrant worker abroad. Musavara works to earn her own living. Despite her young age, she has her own business; for two years she has been selling gold jewelry. Her trading stall is located in the central market of her region. Musavara sells gold earrings in the national style, rings and necklaces. Her business is steady and brings her a good income, but she needs a loan to help her increase her business. With the money from her loan, she hopes to increase her assortment of gold jewelry to bring in more clients and to increase her turnover. Musavara plans to set aside part of her earnings for her wedding.
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Мусавара молодая незамужняя девушка в возрасте 21 года. Она живет с родителями и двумя братьями в районе Хамадони. Ее отец является пенсионером, мать домохозяйкой, а старший брат находится на заработках в загранице. Мусавара сама зарабатывает на жизнь. Она несмотря на молодой возраст, имеет свой бизнес. Мусавара вот уже два года как занимается продажей ювелирных изделий. Ее точка продажи находится на центральном рынке района. Мусавара продает золотые национальные серьги, кольца и цепочки. Ее бизнес хорошо продвигается и приносит ей хороший доход. Мусавара нуждается в кредите для развития бизнеса. Она на сумму кредита хочет увеличить ассортимент золотых изделий, чтобы привлечь больше количества клиентов и таким образом увеличить товарооборот. Часть прибыли с бизнеса она будет откладывать на свою свадьбу.

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
  • 106
    View loans »
    Tajikistan Loans Fundraising
  • $29,901,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Musavara to buy gold jewelry to sell in hopes of increasing her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 2, 2013
Aug 22, 2013
Currency Exchange Loss:
Jul 17, 2014