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Karomat is 56 years old. He was born in Shahrituz and lives there with his family to this day. Karomat is involved in farming. He grows agricultural crops on his land plot. In order to improve his family's budget, he is planning to start a new parallel business in feeding and selling cattle. He will keep animals at home, on a livestock yard. His cows and bulls will weather the winter in a cowshed when the cold weather comes. Karomat has all of the conditions for starting and developing the animal husbandry business. His initial capital amounts to 3000 Tajik somoni. Karomat hopes for and very much relies on the financing. If he has enough money, he would be able to purchase five bulls and feed for them and start his business in feeding and selling livestock.
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Каромату 56 лет. Он родился в Шахритусе и до сих пор проживает там со своей семьей. Каромат занимается земледелием. Он на своем участке земли выращивает сельскохозяйственную культуру. Чтобы улучшить бюджет семьи он собирается параллельно начать новую деятельность по откорму и продаже крупнорогатого скота. Он будет держать животных у себя дома, на скотном дворе. Когда придут холода его коровы и быки будут переждать зиму в коровнике. У Каромат есть все условия для начала и развития бизнеса скотоводства. Его начальный капитал составляет 3000 таджикских сомони. Каромат надеется, очень надеется на финансирование. Если у него будет достаточной суммы денег, он сможет приобрести 5 голов бычков и их корм и начать свой бизнес по откорму и продаже скота.

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
  • 213
    View loans »
    Tajikistan Loans Fundraising
  • $29,723,700
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
A loan of $2,750 helped Karomat to purchase five bulls and feed for them and start his business in feeding and selling livestock.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Oct 4, 2013
Currency Exchange Loss:
Nov 3, 2013