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Panji is a resident of the Qubadiyon district. He is 49 years old, married and has two sons and two daughters. Panji is a farmer. He is involved in growing agricultural crops. He has 0.12 hectares of land by his house. Panji's children are already grown. They need to be situated in life, provided with education and married off. This is why Panji wants to get involved in a new business and chose animal husbandry. He will combine farming with animal husbandry. Panji saved 3000 Tajik somoni and also has a cowshed in his house yard. He requested a loan to buy five heads of cows and calves and also livestock feed. Panji will fatten up livestock for one month and then sell it a local market at a profitable price. He already created his business plan and now awaits support.
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Панжи житель района Кубадиён. Ему 49 лет. Он женат и имеет двоих сыновей и двух дочерей. Панжи земледелец. Он занимается выращиванием сельскохозяйственных культур. У него имеется 0,12 га приусадебного участка земли. Дети Панжи уже повзрослели. Их необходимо обустроить в жизни, дать им образование, женить. Поэтому Панжи хочет заняться новым бизнесом и выбрал для этого животноводство. Он будет совмещать земледелие с животноводством. Панжи накопил сбережение в размере 3000 таджикских сомони, а также во дворе дома имеет коровник. Он обратился за кредитом, чтобы купить 5 голов коров и телят, а также корм. Панжи будет откармливать скот в течение одного месяца и затем продавать на местном рынке по прибыльной цене. Он уже составил свой бизнес-план и теперь ожидает поддержки.

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
  • 148
    View loans »
    Tajikistan Loans Fundraising
  • $29,656,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
A loan of $2,950 helped Panji to buy five heads of cows and calves and also livestock feed in order to start a new business.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 9, 2013
Aug 23, 2013
Currency Exchange Loss:
Sep 22, 2013