O. Muhtor lives in the Spitamen region of Tajikistan. He is married and has 2 children. Mr. O. Muhtor is an invalid but he is full of enthusiasm and readiness to work to ensure his children a happy future. He has had a home business purchasing and selling livestock for 12 years. In addition he works on the railroad as conductor. But the livestock business brings the general income. Mr. O. Muhtor applies to KIVA for a business development loan of 2800 STJ for 5 months to purchase another pedigree bull. He thanks KIVA for its support and wishes KIVA lenders all the best.