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Javoirkhon is a native of the Bohtar district. She is 59 years old. She is a widow and has three sons who are 38, 31, and 25 years old. Her eldest son works in the service industry, her middle son has his own dealership and her youngest son is a labor migrant in Russia. Javoirkhon works as a janitor in a school, however her salary is very small and not enough to cover the family's expenses. Now, she would like to start her own retail business. She plans to sell fabric and dresses. Javoirkhon has already rented a space for her shop in the center of town. She is requesting a loan to buy fabric and women's dresses to start her own business. Thanks to the received credit, she will have an additional source of income and her life will improve greatly.
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Чавоирхон уроженка района Бохтар. Ей 59 лет. Она вдова, имеет троих сыновей, которым по 38, 31 и 25 лет. Старший сын занят в сфере обслуживания, второй сын имеет свой дилерский центр, а третий сын находится на заработках в России. Сама Чавоирхон работает уборщицей в школе, однако ее заработная плата маленькая и не хватает на семейные расходы. Сейчас она хотела бы начать собственный торговый бизнес. Она планирует заняться торговлей тканей и платков. Чавоирхон уже арендовала торговую точку в центре района. Она просит кредит чтобы закупить ткани и женские платки, и начать свой бизнес. Благодаря данному кредиту у нее появится дополнительный источник дохода и ее жизнь намного улучшится.

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
  • 116
    View loans »
    Tajikistan Loans Fundraising
  • $29,861,275
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,050 helped Javoirkhon to buy fabric and women's dresses to start her own retail business.
88% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 2, 2013
Oct 8, 2013
Currency Exchange Loss: