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Oykiz lives in the Shahrituz district. Together with her husband, she is involved in farming. They grow agricultural crops on a 1.12 hectare of land. Oykiz is 46 years old and has children. She plans to concurrently start a family business in animal husbandry. The process of her future business will look like this. Her husband and older son will buy cattle at a local livestock market. Oykiz will raise and feed cows and calves herself, and in a month her husband and son will sell livestock at the same market at a profitable price. Oykiz requested this loan to achieve this goal. She plans to buy 4 cows and calves. Oykiz will obtain the livestock feed from her land. She already stored up over 250 stocks of corn plants.
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Ойкиз живет в районе Шахритус. Она вместе с мужем занимается земледелием. На 0,12 га участке земли они выращивают сельскохозяйственную культуру. Ойкиз 46 лет, имеет детей. Она планирует начать одновременно семейный животноводческий бизнес. Процесс ее будущего бизнеса будет выглядеть таким образом. Ее муж и старший сын будут закупать крупнорогатый скот с местного скотного рынка. Ойкиз сама будет выращивать и откармливать коров и телят, а через месяц ее муж и сын будут реализовать скот на том же рынке по прибыльной цене. Для осуществления задуманного Ойкиз обратилась за кредитом. Она собирается купить 4-х голов коров и телят. Корм для скота Ойкиз будет брать со своего земельного участка. Сейчас она уже запаслась более 250 вязкой кукурузной травы.

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
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,800 helped Oykiz to buy 4 cows and calves.
96% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 12, 2013
Nov 19, 2013
Currency Exchange Loss:
Jun 17, 2015