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Muzaffar is 60 years old. He is from the village of Qubadiyon. He is married and has children. Muzaffar takes a loan to start his own business of fattening and selling cattle. He is a prudent man and he has a plan for everything, including his future business.

Muzaffar will purchase small calves at the local market. He will keep and feed the calves for a period of 30-35 days. Then he will sell them at the same market. Muzaffar has a place to keep the calves, and sufficient fodder. However, he does not have enough start-up capital to purchase three calves. Muzaffar really needs this loan.
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Музаффару 60 лет. Он из села Кубодиён, женат, имеет детей. Музаффар берет кредит, чтобы начать свой бизнес по откорму и продаже крупнорогатого скота. Он расчетливый мужчина и во всем у него есть план, в том числе и на будущий бизнес.
Музаффар будет покупать маленьких телят на местном рынке. Телят будет держать и кормить в течение 30-35 дней. После продаст их на том же рынке. У Музаффара имеется место для содержания скота и достаточно корма. Только нет достаточного начального капитала, чтобы приобрести трех телят. Музаффар действительно нуждается в данном кредите.

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
  • 198
    View loans »
    Tajikistan Loans Fundraising
  • $29,692,225
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
A loan of $1,475 helped Muzaffar to purchase three calves in order to start his own business.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 11, 2013
Oct 22, 2013
Currency Exchange Loss:
Nov 21, 2013