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Nargis is a married woman with a higher education in accounting. She is 48 years old. She has a husband, four sons and one daughter. Currently, her husband and sons are working in Russia, and Nargis lives in the city of Vahdat with her daughter. Nargis is a skilled worker. She has been earning a living by providing seamstress services for 20 years. She sews women's dresses to order and makes beautiful embroideries on them. Her services are always in demand because the majority of women prefer to purchase fabrics and have dresses custom-made for them. Now Nargis is planning to expand her business and purchase a new modernized sewing machine, with the help of which her work process would improve. She wants to use the rest of the loan money to make repairs at home in order to prepare for the winter cold. She really needs the loan and promises to repay it on-time from her sewing business and money transfers from her husband.
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Наргис замужняя женщина, имеющая высшее бухгалтерское образование. Ей 48 лет. У нее есть муж, четверо сыновей и одна дочь. Сейчас ее муж и сыновья находятся на заработках в России, и Наргис проживает в городке Вахдат с дочерью. Наргис умелая мастерица. Она вот уже 20 лет как зарабатывает на жизнь предоставляя услуги швеи. Она по заказу шьет женские платья и делает на них красивые вышивки. Ее услуга всегда в спросе. Так как большинство женщин предпочитают покупать ткани и по своему размеру шить платья. Сейчас Наргис собирается расширить деятельность и закупить новую модернизированную швейную машинку, с помощью которой процесс ее работ улучшится. На остальную часть денег от кредита Наргис хочет провести ремонт в доме, чтобы подготовиться к зимним холодам. Она очень нуждается в кредите и обещает выплачивать его в срок за счет своего швейного дела и денежных переводов от мужа.

Additional Information

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
  • 265
    View loans »
    Tajikistan Loans Fundraising
  • $30,418,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,500 helped Nargis to purchase a new modernized sewing machine and make repairs at home.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 14, 2013
Oct 17, 2013
Currency Exchange Loss:
Apr 16, 2014