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Hamro is starting a business fattening and selling cows and bulls. He is 47 years old and he lives with his family in the Shahrituz region, where the climate and nature suit this kind of business. At the moment, Hamro is an agricultural worker and he also works at a cotton processing factory. He has saved up $450 to start his business and he also has a cow shed next to his house. Hamro is asking for a loan of $1,900 so he can buy 4 bulls to fatten up in the course of 30-45 days and sell on for a profit at the local cattle market. He is starting this business so he can have another source of income to improve the financial situation of his family.
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Хамро начинает прибыльный бизнес по откорму и продаже крупнорогатого скота. Ему 47 лет. Он со своей семьей проживает в районе Шахритус, где сам климат и природа благоприятствует ведению этого вида деятельности. Хамро в данный момент занимается растениеводством и еще работает в хлопкоочистительном заводе. Он накопил сбережение в размере 450 долларов для начала новой деятельности. К тому же у него имеется коровник при дворе дома. Хамро запрашивает кредит в размере 1900 долларов США. Он планирует купить 4 голов бычков, откармливать их в течение 35-40 дней и затем продавать с наценкой на местном скотном рынке. Хамро начинает этот бизнес, чтобы иметь еще один дополнительный источник дохода и улучшить финансовое положение семьи.

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
  • 217
    View loans »
    Tajikistan Loans Fundraising
  • $29,714,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,900 helped Hamro to buy four bulls to start his business raising and selling livestock.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 25, 2013
Nov 28, 2013
Currency Exchange Loss:
Jan 27, 2014