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Muhammadjon has lived in the Spitamen district for 29 years. He is married and lives with his wife and his parents. His father works as a custodian and his mother is a saleswoman at the central market. Muhammadjon is a taxi driver. This is currently his only job, but the work is not consistent. He decided to start his own livestock business and wants to raise cattle at home. He is well prepared to start a business. He has a barn (he is standing next to it in the photo) and cattle feed, but he does not have enough money to buy cattle. He decided to take out a loan to buy two cows and start his business.
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Мухаммаджону из района Спитамена 29 лет. Он женат. Мухаммаджон с женой и родителями живут в одном доме. Отец Мухаммаджона работает сторожем, а мама продавщица и работает на центральном рынке района. Мухаммаджон работает таксистом. На данный момент такая деятельность является основной, но не постоянной. Мухаммаджон решил начать собственный бизнес животноводства. Он хочет выращивать крупно рогатых скотов у себя дома. Для начала нового бизнеса Мухаммадчон подготовился хорошо. У него имеется коровник (он стоит рядом с коровником) и корм для скота. Но нет достаточной суммы денег для приобретения скота. Мухаммаджон решил взять кредит. На сумму от кредита Мухаммаджон намерен приобрести двух крупно рогатых скотов и начать свой бизнес.

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
  • 144
    View loans »
    Tajikistan Loans Fundraising
  • $29,656,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
A loan of $1,050 helped Muhammadjon to purchase cattle and start a new livestock business.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 13, 2014
Jan 16, 2014
Currency Exchange Loss:
Feb 15, 2014