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Sham'igul
Sham’igul is 45 years old and plans to launch her own sales business. She was born in the border region of Jilikul. She still lives there with her two grown sons. She has raised her sons on her own, without a husband. At present Sham’igul has used her savings to build a two-floor store next to her house. She plans to sell miscellaneous items such as perfume, cosmetics, children’s toys, souvenirs, rugs etc. However, she lacks the necessary funds to stock merchandise. This is why Sham’igul has applied for a loan. She plans to use part of her loan to buy merchandise, and the rest to buy the necessary equipment for her new store. Thanks to this loan she will launch a new business and have work for herself and her sons.
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Шамъигул в возрасте 45 лет собирается начать собственный торговый бизнес. Она родом из приграничного района Джиликуль. Шамъигул живет там со своими двумя взрослыми сыновьями. Она вырастила их без мужа. В данный момент Шамъигул на собственное сбережение рядом с домом построила двухэтажное помещение под магазин. Она собирается продавать там разный ассортимент товаров, в частности парфюмерию, косметику, детские игрушки, сувениры, ковры и т.д. Однако для приобретения данного товара, ей не хватает денежных средств. В связи с этим Шаъмигул обратилась за кредитом. На часть суммы кредита она собирается купить товар, а на остальную часть приобрести необходимые принадлежности для своего нового магазина. Благодаря кредиту она начнет свою новую деятельность и обеспечит себя и своих сыновей работой.

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.

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About Tajikistan

  • $1,388
    Average annual income
  • 294
    View loans »
    Tajikistan Loans Fundraising
  • $28,641,250
    Funds lent in using Kiva
  • 4.9
    Tajikistan Somoni (TJS) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $2,025 helped Sham'igul to stock up on merchandise (perfume, cosmetics, children’s toys, souvenirs, rugs etc.) and buy equipment for her store.
27% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Jun 30, 2014
Listed
Jul 3, 2014
Currency Exchange Loss:
Possible