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Zaynullo is from the village of Qubadiyon. He has worked as a construction worker for several years. In Qubadiyon, the winter is very cold and the summer is unbearably hot. In spite of the climate, residents of this district renovate and build houses in the summer, because in the summer it is dry and light outside. And also because they don't have a choice. In winter, it is damp and cold everywhere. Zaynullo only works seasonally. That is to say, he doesn't work in the winter and, as a result, does not have an income.

Zaynullo wants to additionally take up animal husbandry. He is planning to buy several cows and keep them in a barn. For this reason he is taking out a loan. Zaynullo hopes that this work will bring him earnings and will bring prosperity to his family.
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Зайнулло из села Кубадиён. Он в течение нескольких лет работает рабочим на стройке. В Кубодиёне зимой очень холодно, а летом не выносимо жарко. Несмотря на такой климат в этой области жители ремонтируют и строят дома летом, потому что летом сухо и светло. И потому что у них нет выбора. Зимой везде сыро и холодно. Зайнулло работает только по сезонам. То есть на зиму у него нет работы и соответственно нет дохода. Зайнулло дополнительно хочет заняться животноводством. Он собирается закупить несколько голов крупного рогатого скота и держать их в коровнике. По этой причине он берет кредит. Зайнулло надеется, что такая работа принесет ему доход и процветание семье...

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
  • 268
    View loans »
    Tajikistan Loans Fundraising
  • $30,430,025
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,700 helped Zaynullo to buy cattle to start his animal husbandry business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 9, 2013
Oct 16, 2013
Currency Exchange Loss:
Feb 17, 2015