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Shoista is a married woman. She is 45 years old. She lives with her husband and two sons in the city of Khujand. Her husband remodels apartments. Her sons are grown and independent. They are 28 and 26 years old. One is a driver and the other a teacher. Shoista is, by nature, an enterprising and capable woman. She has eleven years of experience as a seamstress. As a child, she loved to watch her mother sew dresses and tailor. She learned the profession from her. Now, Shoista has decided to open her own sewing shop. She has her own supplies in the form of a sewing machine, the necessary tools, and room to work. Shoista is asking for a loan to cover the rest of her expenses. She's going to buy two Janome sewing machines and start her business. Shoista plans to take orders for traditional dresses, suits, and pants. She believes in the success of this business, and she already has her first customers. These new customers are, of course, relatives, neighbors, friends, and acquaintances.
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Шоиста замужняя женщина в возрасте 45 лет. Она проживает с мужем и двумя сыновьями в городе Худжанд. Ее муж мастер по ремонту квартир. Сыновья тоже взрослые и самостоятельные. Им по 28 и 26 лет, один работает водителем, а другой учитель. Шоиста по натуре предприимчивая и способная женщина. У нее 11-летний стаж работы в области шитья. Она с детства любила смотреть как ее мать шьёт и кроит платья, и научилась этой профессии у нее. Сейчас Шоиста решила открыть собственный швейный цех. У нее есть собственные средства в виде швейной машинки, необходимых рабочих инструментов и помещение для работы. Еще недостающую сумму Шоиста просит в кредит. Она собирается купить две штук швейных машинок модели Джаноме и начать свое дело. Шоиста планирует принимать заказы на шитьё женских национальных платьев, костюмов и брюков. Она верит в успех своего дела, так как уже знает кто будет ее первыми клиентами. Это конечно же родственники, соседи, знакомые и друзья.

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
  • 190
    View loans »
    Tajikistan Loans Fundraising
  • $30,410,000
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,100 helped Shoista buy two Janome sewing machines so she can open a shop.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 6, 2013
Oct 2, 2013
Currency Exchange Loss:
Apr 17, 2015