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Abdugani is 34 years old and from the city of Khujand. This city means a lot to him. It's where he was born, grew up, studied and married. He also works here. Abdugani is an expert in repairing and remodeling apartments. He plasters walls, and installs stoves, tile, plasterboard, floors and paneling. Unfortunately, his work is seasonal in nature and now with the coming of winter's cold, he doesn't have any work at all. Abdugani decided to start a new, supplemental business so that his family won't be left without any support.

His friend made Abdugani a offer to go into a profitable business together selling electronics since his friend has sales experience. Abdugani decided to start the business using only a small amount of money. He plans to buy only two computers and their accessories, so it's not a large amount of money. He is requesting a loan for this purchase since his own startup capital is only $300 (USD). Abdugani is hoping the business will be a success.
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Абдугани 34 года, он родом из города Худжанд. Этот город значит для него многое. Абдугани родился, вырос, учился и женился в Худжанде. Работает он тоже здесь. Абдугани работает мастером по ремонту квартир. Он шпаклюет стены, вставляет плитку, кафель, гипсокартон, полы и доски. К сожалению его работа является сезонной и с наступлением зимних холодов у него совсем не бывает заказов. Абдугани решил дополнительно начать новый бизнес, чтобы его семья не осталась без средств.
Его друг сделал выгодное предложение Абдугани заняться с ним бизнесом по продаже электронной техники, так как у него есть опыт в продажах. Абдугани решил начать бизнес не с большой суммы. Сумма не большая так как он планирует закупить только двух компьютеров и его составляющие. Для этой закупки он просит кредит, поскольку его собственный капитал составляет всего 300 долларов США. Абдугани надеется на успех бизнеса.

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
  • 170
    View loans »
    Tajikistan Loans Fundraising
  • $29,662,800
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Abdugani to buy two computers for starting a business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 9, 2013
Oct 12, 2013
Currency Exchange Loss:
Nov 17, 2014