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Gulshoda is young woman and already divorced at age 21. She has set herself the goal of starting her own business and earning a living independently. She has never had a job and does not have a higher education or a profession. She decided to start a business fattening and selling cattle. This is a well-developed industry in rural areas like Nosiri Khusrav, where Gulshoda is from. Her parents will help her when she starts the business. She has applied for a loan because she does not have enough money to buy two bulls. She hopes for financial support. Thanks to the loan she will be able to earn an income and take care of herself.
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Гулшода молодая, но уже разведенная женщина в возрасте 21 года. Сейчас она поставила перед собой цель - открыть собственный бизнес и начать самостоятельно зарабатывать на жизнь. До этого времени она нигде не работала, так как не имеет высшего образования или какой-либо другой профессии. Гулшода решила начать бизнес по открому и продаже скота. Этот вид деятельности развит в сельских районах Носири Хусрав, откуда и сама Гулшода. Ей в начале бизнеса будут помогать советом родители. Гулшода просит кредит, поскольку начального капитала не хватает для купли двух бычков. Она надеется на финансовую поддержку. Благодаря кредиту она обеспечит себя источником дохода.

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
  • 106
    View loans »
    Tajikistan Loans Fundraising
  • $29,901,400
    Funds lent in using Kiva
  • 4.9
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Gulshoda to buy two bulls and start a livestock business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jun 12, 2014
Jun 20, 2014
Currency Exchange Loss:
May 17, 2015