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Bahrom is a 38-year-old resident of the J.Rumy region, engaged in agriculture. Currently, he is planning to begin a business raising livestock. Since Bahrom knows how to rend cattle, he decided to build on this lucrative business. In the courtyard of his house, Bahrom has an old barn where he will keep the cattle, and he will graze the cattle on a local pasture. In addition, he has an irrigated plot of land, from which he has already collected 200 bundles of corn grass and 100 bundles of alfalfa, dried them and stored them as feed for the winter.

In order to buy two steers and to start a business, Bahrom is requesting a loan. He wants to improve living conditions for his family and therefore plans to combine farm work with the livestock. He very much hopes for support.
View original language description ↓
Бахром 38-летний житель района Дж.Руми, занятый в отрасли сельского хозяйства. В данный момент он планирует начать бизнес по животноводству. Поскольку Бахром знает как разводить скот он решил построить на этом прибыльный бизнес. У Бахрома при дворе дома имеется старый сарай, где он будет держать скот. А разводить скот он будет на местном пастбище. Кроме того, у него имеется орошаемый участок земли, с которого он уже собрал двести вязок кукурузной травы и сто вязок люцерны, высушил их и запасся кормом на зиму. Чтобы закупить двух бычков и начать бизнес, Бахром просит кредит. Он хочет улучшить условия жизни семьи и поэтому планирует совмещать земледельческую деятельность с животноводством. Он очень надеется на поддержку.

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
  • 111
    View loans »
    Tajikistan Loans Fundraising
  • $29,890,125
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Bahrom to buy a pair of steers to start a livestock business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 9, 2013
Dec 17, 2013
Currency Exchange Loss:
May 17, 2015