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This is Gavhar, a young 22-year-old seamstress from Dushanbe, the capital of Tajikistan. Gavhar lives there with her parents, two brothers and younger sister, and has yet to be married. She first started working as a seamstress at the start of 2010, and, as such, has been at it for more than 3 years. She works out of her home together with her mother, and specializes in Tajikistani folk apparel for women. In addition to making women's clothes, she is also studying as a distance-learning student at a university specializing in agriculture, and is paying for her tuition out of pocket.

Gavhar feels the time is right to start expanding her business. She is requesting a loan to buy a modern computerized sewing machine, as well as some additional fabrics for sewing. With the help of this new sewing machine, she'll be able to make more intricate patterns on her dresses. Naturally, such dresses will command a higher price and allow her to earn more money, bringing her one step closer to realizing her future plans of opening her own sewing shop.
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Это Гавхар. Она юная швея в возрасте 22 лет. Гавхар живет с матерью, отцом, двумя братьями и младшей сестрой в городе Душанбе - столице Таджикистана. Гавхар начала свое швейное дело в начале 2010 года и уже более 3 лет как она занимается этим делом. Она шьёт женские национальные одежды и принимают заказы у себя дома. Ей в деле помогает мать. Гавхар еще не замужем. Она одновременно учится в заочном отделении Аграрного Университета и сама платит за учебу за счет своей швейной деятельности.
Сейчас Гавхар хочет расширить свою деятельность. Она просит кредит для приобретения модернизированной компьютерной швейной машинки и тканей для шитья. С помощью этой швейной машинки она собирается теперь делать на платьях красивые вышивки. Естественно услуга за шитьё таких платьев будет стоить дороже и таким образом Гавхар хочет увеличить получаемый доход. В будущем она планирует открыть собственный швейный цех.

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
  • 208
    View loans »
    Tajikistan Loans Fundraising
  • $29,704,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Gavhar buy a computerized sewing machine and various fabrics for sewing.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Dec 4, 2013
Dec 5, 2013
Currency Exchange Loss:
Jan 17, 2015