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Zokirjon is 47 years old. He lives in the Shahrituz Region. He is married and has two sons and one daughter. Zokirjon has a college degree. He is a professional accountant. At present Zokirjon intends to launch a retail business. He has built a store, 10x4 meters [about 33’ x13’ ], in his village and plans to sell groceries and household goods there. He has 1,500 USD remaining. This sum is insufficient to stock up merchandise for the shop. This is why Zokrijon turned to the MLO Humo for support. He plans to buy fresh quality groceries wholesale in the city of Dushanbe and bring them to his shop for retailing. He believes that his business will be successful because he will offer a wide selection of first necessity food items and household goods. He is counting on your support to open his store.
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Зокирчону 47 лет. Он живет в районе Шахритус. У него жена, двое сыновей и одна дочь. Зокирчон имеет высшее образование. Он по профессии бухгалтер. Сейчас Зокирчон намерен заняться торговым бизнесом. Он в своем селе построил помещение размером 10х4 метров для магазина, в котором собирается продавать продукты питания и хозяйственные товары. У него на руках осталось 1500 долларов США. Однако этой суммы недостаточно, чтобы закупить весь товар для магазина. Поэтому Зокирчон за поддержкой обратился в организацию ХУМО. Он планирует оптом привозить свежий и качественный товар с города Душанбе и продавать по розничной цене в своем магазине. Он считает что его торговля будет успешной, так как он будет предлагать жителям широкий ассортимент необходимых продуктов питания и хозяйственных товаров. Он ждет поддержки, чтобы открыть магазин.

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
  • 217
    View loans »
    Tajikistan Loans Fundraising
  • $29,714,525
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
A loan of $2,950 helped Zokirjon to buy groceries and household good in order to launch his store.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 14, 2013
Aug 24, 2013
Currency Exchange Loss:
Sep 23, 2013