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Mu'tabar is a 34 year-old resident of the J. Rumy district. She works as a teacher at a local school. She is married and has children. Currently, she wants to start a family business in animal husbandry. She thinks that sheep are low-maintenance animals and their care would not require a lot of effort. Besides, this is a profitable business. Mu'tabar will combine the new business with her primary job. Other family members will watch after the sheep in her absence. To start the business, Mu'tabar has a barn for keeping sheep and also some savings. She is requesting this loan to buy ten sheep and livestock feed. Mu'tabar plans to raise sheep for a month and then sell them at a market with a good markup.
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Муътабар 34-летняя жительница района Дж.Руми. Она работает учительницей в местной школе. Замужем, имеет детей. Сейчас хочет начать семейный бизнес по овцеводству. Она считает, что овцы не прихотливые животные и их выращивание не требует много сил. К тому же это очень прибыльный бизнес. Муътабар будет совмещать новый бизнес со своей основной работой. В ее отсутствии за овцами будут присматривать другие члены семьи. Для начала бизнеса у Муътабар имеется сарай для содержания овец, а также немного сбережения. Для того чтобы закупить 10 голов овец и корм, она просит кредит. Муътабар планирует выращивать овец в течение месяца и затем продавать на рынке с хорошей наценкой.

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
  • 214
    View loans »
    Tajikistan Loans Fundraising
  • $29,723,700
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,175 helped Mu'tabar to buy 10 sheep and livestock feed in order to start a new animal husbandry business.
97% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 10, 2013
Oct 17, 2013
Currency Exchange Loss:
May 17, 2015