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Dilshod is a young jeweler who is 23 years old. He lives with his wife and parents in the Hamadoni District. Dilshod is a small business owner. For the past two and a half years, Dilshod has been offering his jewelry making services, namely crafting, repairing and selling gold jewelry. He makes custom orders for clients. He also makes national jewelry to sell out of gold and silver. This type of jewelry is highly valued in Tajikistan. Dilshod studied this trade under the best master craftsman and now he is the best jewelry maker. His jewelry store (including a work shop) is located right in the district's central market. It is an advantageous place to attract clients.

Now Dilshod is determined to expand his jewelry business. He wants to buy a modernized jewelry making machine in order to increase his production and improve the quality of his finished product. However, this type of machine is very expensive, which is why Dilshod applied for a loan. He really needs this loan and is asking you to give him a chance to expand his business.
View original language description ↓
Дилшод молодой ювелир в возрасте 23 лет. Он проживает с женой и родителями в районе Хамадони. У Дилшода собственный малый бизнес. Вот уже 2,5 года как Дилшод предоставляет ювелирные услуги, а именно занимается производством, ремонтом и торговлей золотых изделий. Он по индивидуальному заказу клиентов, а также для продажи изготавливает национальные украшения из золота и серебра, которые очень ценятся в стране. Дилшод учился этому ремеслу специально у лучшего мастера и сейчас он сам является лучшим ювелиром. Его ювелирный магазин (в нем у него и мастерская) расположен прямо на центральном рынке района. Это выгодное место для привлечения клиентов.
Сейчас Дилшод намерен расширить свое ювелирное дело. Он хочет купить модернизированный ювелирный аппарат, чтобы увеличить производство и улучшить качество изготавливаемой продукции. Однако такой аппарат стоит очень дорого и поэтому Дилшод обратился за кредитом. Он очень нуждается в этом кредите и просит дать ему шанс расширить свой бизнес.

Additional Information

More information about this loan

This loan is part of Humo's Investment Product loan program targeting new and existing clients seeking to invest in their businesses by purchasing (capital) equipment. This program offers borrowers a grace period prior to first repayment and a lower interest rate comparing to the standard interest rate. By funding this loan, you are supporting a program that gives borrowers a chance to start and grow small businesses and increase their productivity.

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
  • 162
    View loans »
    Tajikistan Loans Fundraising
  • $29,362,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $5,000 helped Dilshod to buy a jewelry making machine to expand his jewelry business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 5, 2013
Nov 29, 2013
Currency Exchange Loss:
Mar 19, 2015