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For the past fifteen years, Zulfiya has been trading at the central market in Hamadoni. She has a stall where she sells children's clothes. Zulfiya is 33 years old and married. Her husband builds doors and windows. He is very skilled. They have a son and daughter who are school-aged.

Zulfiya needs a loan. She needs to buy seasonal goods. Therefore, she has asked for a loan. Zulfiya is getting ready to buy children's winter clothes to expand her inventory and increase sales.
View original language description ↓
Зулфия в течение 15 лет занимается торговлей. Она на центральном рынке своего района Хамадони имеет торговую точку, где продает детские одежды. Зулфия замужем, ей 33 года. Ее муж занимается производством окон и дверей. Он очень хороший мастер. У них с мужем имеется сын и дочь, которые учатся в школе.
Зулфия в данный момент нуждается в кредите. Ей нужно закупить сезонный товар. Поэтому она обратилась за кредитом. Зулфия собирается приобрести коллекцию зимней детской одежды для развития и оборота торговли.

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
  • 122
    View loans »
    Tajikistan Loans Fundraising
  • $29,861,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $750 helped Zulfiya buy children's winter clothes for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 15, 2013
Nov 28, 2013
Currency Exchange Loss:
Dec 17, 2014