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Komila is a salesperson at a food market. She is 49 years old. Komila has been working at the store for about 15 years. She has a higher education. She has three children. Komila is a widow and lives with her children. At the present time, Komila is experiencing difficulties to expand her business. She is requesting this loan to buy merchandise for the new store. Komila tried very hard and finally was able to open another store. This work is not easy, but she will buy food products with the help of this loan, and, thus, increase the number of her customers. Komila hopes that she will increase her income and provide new opportunities for herself and her children.
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Комила продавщица продуктового магазина. Ей 49 года. Уже около 15 лет Комила работает в магазине. У Комилы есть высшее образование. Она имеет троих детей. Комила вдова и живет с детьми одна. На данный момент Комила чувствует затруднение, чтобы расширить свою деятельность. Она просит кредит, чтобы купить товар для нового магазина. Комила много старалась и наконец-то смогла открыть еще один магазин, ей далось нелегко такая работа и помощью кредита она приобретет продукты, соответственно увеличится число ее клиентов. Салтанат надеется, что таким способом увеличит доход и может позволить себе и детям новые экономические возможности.

Additional Information

More information about this loan

This loan is part of Humo's Investment Product loan program targeting new and existing clients seeking to invest in their businesses by purchasing (capital) equipment. This program offers borrowers a grace period prior to first repayment and a lower interest rate comparing to the standard interest rate. By funding this loan, you are supporting a program that gives borrowers a chance to start and grow small businesses and increase their productivity.

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
  • 110
    View loans »
    Tajikistan Loans Fundraising
  • $29,894,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $5,000 helped Komila to buy merchandise.
61% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Feb 28, 2014
Mar 18, 2014
Currency Exchange Loss: