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Zarifa is a 23 years old woman, without kids. She lives with her husband and his family in a village in Spitamen region. Since childhood Zarifa has learned to raise livestock from her parents. Six years ago she started her own independent livestock business. She uses her backyard to raise both cattle and sheep. This work brings her both good profits and a lot of enjoyment. Currently Zarifa has a few sheep and a calf, so she wants to expand her herd. As she has insufficient personal savings, Zarifa has turned to us for a loan which she will use to buy another calf and a few more sheep. The loan will help her expand her business.
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Зарифа молодая замужняя женщина в возрасте 23 лет, детей еще не имеет. Зарифа живет с мужем и его семьей в селе района Спитамен. Еще в юности Зарифа училась у родителей животноводству. 6 лет назад она самостоятельно начала свой животноводческий бизнес. Она у себя при дворе дома разводит и крупнорогатый и мелкорогатый скот. Эта деятельность приносит ей и доход и удовольствие. Сейчас в ее хозяйстве имеется всего пару овец и один бычок, поэтому она хочет увеличить их поголовье. Зарифа из-за нехватки финансов обратилась за кредитом, чтобы купить маленького бычка и пару овец. Благодаря кредиту она сможет расширить бизнес.

Additional Information

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

  • $1,388
    Average annual income
  • 132
    View loans »
    Tajikistan Loans Fundraising
  • $27,936,300
    Funds lent in using Kiva
  • 5.0
    Tajikistan Somoni (TJS) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,025 helped Zarifa to purchase a young calf and a few sheep for business expansion.
53% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 23, 2014
Jul 29, 2014
Currency Exchange Loss: