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Halima is 54-year-old married woman. She is a native of the Shahrituz district. She currently does not work anywhere, but wants to start her own retail business and be an independent woman. Halima has sales experience. She has already bought her shop location at the market. Halima plans to sell women's clothing there. As result, she will have a source of income and at the same time, improve her living conditions.

Unfortunately, Halima does not have enough personal savings to buy products to sell. She is requesting a loan to buy warm women's dresses, sweaters, jeans and other seasonal clothing. Halima relies on your kind-heartedness!
View original language description ↓
Халима 54-летняя замужняя женщина. Она родом из района Шахритус. В данный момент Халима нигде не работает, но хочет начать собственный торговый бизнес и быть независимой женщиной. У Халимы имеется опыт в продажах. Она уже приобрела торговую точка на рынке. Халима планирует заняться там продажей женской одежды. Таким образом у нее появится источник дохода и тем самым она улучшит свои жизненные условия.
К сожалению, у Халимы недостаточно собственного сбережения чтобы купить товар. Она просит кредит для закупа теплых женских платьев, свитеров, джинсов и другой сезонной одежды. Халима надеется на вашу отзывчивость!

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
  • 147
    View loans »
    Tajikistan Loans Fundraising
  • $29,656,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Halima to buy seasonal women's clothing to start her retail business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 11, 2013
Oct 16, 2013
Currency Exchange Loss:
Jun 17, 2014