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Tohir is a 29-year-old man from Dushanbe, the capital of Tajikistan. For the past three years, he has run his own small business. His older brother helps him. Tohir has a small shop baking buns. He bakes different types of buns and distributes them to retail outlets.

Tohir lives with his wife, daughter and mother. He is the head of the family and always takes care of their welfare. Now he wants to expand his business and increase the family's income. To achieve this goal, he is requesting a loan of U.S. $ 2,100 to buy ovens for making buns. This loan it is very important for his business expansion.
View original language description ↓
Тохир 29-летний молодой человек из города Душанбе, столицы Таджикистана. На протяжении 3 лет он занимается собственным малым бизнесом, в котором ему помогает его старший брат-предприниматель. У Тохира имеется небольшой цех по производству булочек. Он выпекает разные булочки и затем готовую продукцию распределяет по торговым точкам.
Тохир живет с женой, дочкой и матерью. Он главный в семье и всегда заботится об их благополучии. Сейчас он хочет расширить свой бизнес и увеличить семейный бюджет. Для реализации этой цели он просит кредит в размере 2100 долларов США для купли печей для производства булочек. Этот кредит ему очень важен для расширения бизнеса.

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

Success!! The loan was 100% repaid

A loan of $2,100 helped Tohir buy a large oven to bake buns.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 26, 2014
Jun 12, 2014
Currency Exchange Loss:
Sep 17, 2015