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Bakhtiyor is 31 years old, the father of two children, a faithful husband and loving son. He has a large family, which consists of his parents, wife and two children. Bakhtiyor lives in the city of Dushanbe, together with his family.

Bakhtiyor has three years of experience as a driver. He decided that it would be an advantage to start a business. Bakhtiyor decided to purchase a mini-bus of the type "Starex", and drive people from one place to another. Bakhtiyor enjoys driving, and he would like to combine business with pleasure. The "marshrutka" service is profitable, and Bakhtiyor likes this work. Therefore he would like to serve the capital's residents and visitors, so they don't feel discomfort during the transport.

Unfortunately the mini-bus is expensive, and Bakhtiyor does not have enough own money to purchase it. He requests a loan in order to purchase the mini-bus, start his own business and start earning money to support his family.
View original language description ↓
Бахтиёр 31 летний отец двоих детей, верный муж и любящий сын. У него большая семья, состоящая из его родителей, жены и двоих детей. Бахтиёр со своей семьей живет в городе Душанбе. У Бахтиёра трех летний водительский стаж. Таким преимуществом он решил начать новую деятельность. Бахтиёр собирается купить мини-автобус Starex и возить людей из одной точки города до другой. Бахтиёру нравиться водить машину, и он хочет совместить приятное с полезным. Услуга маршрутки прибыльная работа и для Бахтиёра такая работа станет любимым, потому что он хочет служить жителем и гостям столицы, чтобы они не чувствовали дискомфорт с транспортом.
К сожалению мини-автобус стоит дорого для ее приобретения у Бахтиёра не хватает часть денег. Он просит кредит, чтобы купить мини автобус, начать свою деятельность, начать зарабатывать и обеспечивать семью.

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
  • 208
    View loans »
    Tajikistan Loans Fundraising
  • $29,704,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $2,300 helped Bakhtiyor to purchase a mini-bus of the type "Starex".
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 6, 2013
Dec 10, 2013
Currency Exchange Loss:
Feb 8, 2014