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Ilhom is 36 years old. He is a resident of the Varzob region, where one enters the Varzob Gorge, known for its resorts. Ilhom is married and has two daughters and two sons. His wife is a seamstress and the children are in school. Ilhom has a higher education. He spent seven years working as a teacher in a high school.

Now, he wants to start his own business which would bring him a daily income. He decided to get involved in offering taxi services. He has a driver's license and driving experience. Ilhom has accumulated savings of 5,000 somoni (TJS). He still needs a loan of US $3,000 to buy a car and start the business.

Ilhom plans to work along the route lines of the city of Dushanbe, which is located 25km from his residence. He will work in the capital since taxi services are always in demand there.

Thanks to the loan, Ilhom will receive a daily income from the new business and his financial situation will improve.
View original language description ↓
Илхому 36 лет. Он является жителем района Варзоб, куда входит Варзобское ущелье, известное своей курортной зоной. Илхом женат, имеет двоих дочерей и двоих сыновей. Его жена занимается шитьем, а дети учатся в школе. У Илхома высшее образование. Он в течение 7 лет работал учителем в средней школе. Сейчас он хочет начать собственный бизнес, который приносил бы ему ежедневный доход. Он решил заняться предоставлением услуги такси. У него есть водительские права и опыт вождения. Илхом накопил сбережение в размере 5000 сомони (TJS). Он еще нуждается в кредите в размере 3000 долларов США, чтобы купить машину и начать бизнес. Илхом планирует работать по маршрутной линии города Душанбе, который расположен в 25 километрах от его местожительства. Он будет работать в столице так как здесь услуга такси всегда востребована.
Благодаря данному кредиту Илхом будет получать ежедневный доход от нового бизнеса и его финансовое состояние улучшится.

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

  • $1,388
    Average annual income
  • 161
    View loans »
    Tajikistan Loans Fundraising
  • $28,183,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $3,000 helped Ilhom to buy a car in order to start a business offering taxi services.
72% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 1, 2013
Aug 23, 2013
Currency Exchange Loss: