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Saodat lives in the region of B. Gafurov in the town of Khujand. She is 41 years old. She lives with her husband and her son. Her husband is 43 and her son is 22 years old. She has married early and gave birth to her son. She was only nineteen and her husband was 21. Saodat is a nice and responsible woman who can always keep comfort and warmth in her home for her men. Saodat has a secondary technical education and a talent in the field of sewing of traditional women's dresses. She plans to open a sewing shop and start her own business. Saodat has rented out a space on the region's market and purchased necessary instruments. Right now she is asking for a loan to buy two sewing machines and also tables and chairs.

Saodat plans to sew three dresses a day and also offer to take orders to sew suites and pants. Her sewing shop will be open from 8 am to 6 pm. Saodat belives that her service will be always in demand and her sewing shop will always have success because her shop is located on the market where there are a lot of people.
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Саодат живет в районе Б.Гафуров города Худжанд, ей 41 год. Она живет с мужем, ему 43 года и сыном, которому 22 года. Она очень рано вышла замуж и родила сына, когда ей было 19, а мужу 21. Саодат милая и ответственная женщина, всегда умевшая сохранять в доме уют, тепло и удобства для своих мужчин. У Саодата среднее техническое образование и талант в области шитья женских национальных платьев. Она собирается открыть швейных цех и начать собственное дело. Саодат на бессрочный срок уже арендовала помещение на рынке района и закупила необходимые рабочие инструменты. Теперь она просит кредит, чтобы приобрести две швейные машинки, а также столы и стулья.
Саодат планирует шить в день по три платья, а также предполагает брать заказы на шитьё костюмов и брюк. Ее швейный цех будет работать с восьми утра до шести вечера. Саодат верит, что ее услуга будет всегда потребной и ее швейный цех будет иметь успех, так как помещение расположено в самом рынке, где всегда многолюдно.

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
  • 145
    View loans »
    Tajikistan Loans Fundraising
  • $29,656,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $2,950 helped Saodat to buy two sewing machines as well as tables and chairs to open a sewing shop.
98% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 3, 2013
Sep 13, 2013
Currency Exchange Loss:
Apr 17, 2015