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Nigora lives in the Spitamen district. She is 40 years old. Nigora's husband is outside the country. He could not find work in his native district and had to leave in order to support the family. To this day, Nigora was involved in small sales. She sold children's clothing and socks at a market. Now Nigora wants to open her own business. She decided to get involved in reselling livestock. She will keep livestock in a cowshed. Nigora plans to buy a necessary number of livestock and feed for them with the help of this loan and start the business. She thinks that this business will yield her a good profit, which will help to improve her living and life conditions.
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Нигора живет на районе Спитамен. Ей 40 лет. Муж Нигоры находится за приделами страны. Он не нашел работу в родном районе и ему пришлось уехать чтобы прокормить семью. Нигора до сегодняшнего дня занималась мелкой торговлей. Она продавала детскую одежду и носки на рынке. Сейчас Нигора хочет открыть свой бизнес. Она решила заняться куплей и продажей скотов. Содержать скотов она будет в коровнике. Нигора планирует купить необходимое количество скотов и корма для них с помощью кредита, и начать бизнес. Она считается, что данный бизнес принесет хорошую прибыль, что способствует улучшению ее жилищных и жизненных условий.

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
  • 180
    View loans »
    Tajikistan Loans Fundraising
  • $30,358,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,950 helped Nigora to buy livestock and feed in order to start her own business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 15, 2014
Jan 27, 2014
Currency Exchange Loss:
May 17, 2014