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Shodi is 55 years old. He lives with his family in a small town Vahdat. Shodi is an elderly person and can no longer do hard labor. He works as a contractor and his income is small and unstable. Shodi decided to get involved in animal husbandry because it does not require hard labor and yields a good profit. Shodi has a 7x5 meter barn in the yard of his home. He wants to use it as a cowshed for livestock. But the barn is very old and needs to be repaired slightly. Shodi has savings in the amount of 600 dollars. But this is a small sum to start this business. He requested a loan. Shodi will use the loan and his savings to buy four heads of bulls and make repairs in the barn for keeping livestock there. The loan will help Shodi to open his own profitable business, which will allow him to stop doing hard work, detrimental to his health, to provide for his family. He is awaiting support with hope.
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Шоди 55 лет. Он живет со своей семьей в маленьком городке Вахдат. Шоди пожилой человек и уже не может заниматься тяжелой работой. Он работает наемным рабочим и его получаемый доход маленький и не стабильный. Шоди решил заняться животноводством, потому что он не требует тяжелой работы и приносит хорошую прибыль. У Шоди при дворе его дома имеется сарай размером 7х5 метра. Он хочет использовать его в качестве коровника для скота. Но сарай очень старый и сперва его необходимо слегка отремонтировать. Шоди имеет сбережение в размере 600 долларов. Но эта маленькая сумма, чтобы начать такой бизнес. Он обратился за кредитом. На сумму кредита и сбережения Шоди планирует купить четыре голов бычков и сделать ремонт в сарае для содержания в нем скота.
Кредит поможет Шоди открыть собственный прибыльный и стабильный бизнес и ему больше не придется выполнять тяжелую работу во вред своему здоровью, чтобы обеспечивать семью. Он с надеждой ждет поддержки.

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
  • 213
    View loans »
    Tajikistan Loans Fundraising
  • $29,711,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $2,200 helped Shodi to buy four bulls and repair an old barn for keeping livestock there.
75% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 12, 2013
Dec 19, 2013
Currency Exchange Loss: