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Shahnoza lives, works, and studies in the city of Khujand in northern Tajikistan. She is 22. She is single and lives with her mother, sister, and younger brother. Her mother is a seamstress. Her sister works as a cashier, and her brother is studying in school. Shahnoza is a student at the State University of Khujand in the department of economics. Shahnoza also works as a database operator for the organization. Shahnoza now needs a loan. She needs to pay tuition to continue studying. She will repay the loan with money she earns at work. Shahnoza really wants to get a degree in economics and work well in her field.
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Шахноза живет, работает и учится в городе Худжанде на севере Таджикистана. Ей 22 года. Она не замужем и живет с матерью, сестрой и младшим братом. Ее мать швея, сестра работает кассиром, а братик учится в школе. Сама Шахноза является студенткой Государственного Университета города Худжанд, экономического факультета. Параллельно Шахноза работает оператором базы данных в организации. Шахноза сейчас нуждается в кредите. Чтобы продолжить учебу в университете ей необходимо оплатить за контракт. Она будет выплачивать кредит за счет своей работы. Шахноза очень хочет получить высшее экономическое образование и в будущем стать хорошим специалистом.

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
  • 212
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Shahnoza pay university tuition.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 26, 2013
Oct 1, 2013
Currency Exchange Loss:
May 17, 2014