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Sharafniso is a good-hearted woman. She is 53 years old and lives in a village in Hamadoni with her husband and four children. Her husband works in a State Auto Inspectorate. Her children are grown and independent. Sharafniso has always been a housewife and has not worked anywhere. All these years she has been running their domestic lives and raising their children.

Now that her children are grown, she has a lot of free time. She wants to use this time to start her own business. Sharafniso loves to look after cattle--she has one dairy cow. She wants to start business fattening and selling livestock.

Sharafniso also wants to earn her own income and feel independent. She does not have the seed capital, and thus took a loan to buy a few steer and calves. Your support is important to her.
View original language description ↓
Шарафнисо доброжелательная и открытая душой женщина. Ей 53 года. Она живет в селе района Хамадони с мужем и четырьмя детьми. Ее муж работает в Государственной автомобильной инспекции. А дети взрослые и самостоятельные. Шарафнисо всю жизнь была домохозяйкой и нигде не работала. Она все эти годы была занята хозяйством и воспитанием детей. Теперь когда ее дети уже подросли, у нее много свободного времени. Она хочет воспользоваться этим временем и заняться собственным делом. Шарафнисо любит ухаживать за скотом, в ее хозяйстве имеется одна дойная корова. Она хочет начать теперь бизнес по откорму и продаже скота. Шарафнисо тоже хочет зарабатывать себе на жизнь и чувствовать себя независимой. Так как для реализации цели ее начального капитала не хватает, она обратилась за кредитом, на сумму которого планирует закупить несколько голов бычков и телят. Ей важна Ваша поддержка.

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
  • 187
    View loans »
    Tajikistan Loans Fundraising
  • $30,409,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Sharafniso to buy a few steer and calves to start her own livestock business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 17, 2014
Apr 24, 2014
Currency Exchange Loss:
May 17, 2015