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Nozanin S. is a resident of the town of Yavan. She is 32 years old, divorced and has 2 children. She has no education. She has a retail business and sells products for home like tableware and other basic home appliances at the Yavan market. She brings the merchandise from Dushanbe (capital of Tajikistan) and resells it on the market where she has a vendor point. She travels for merchandise once every ten days. She also has three years experience in this field. Nozanin wants to buy a different variety of merchandise and that is what she needs the loan for. Her business is the only source of income for her family. The business also provides the residents of Yavan with the option of doing shopping in their town at reasonable prices. Nozanin plans to pay off the loan within 12 months.

Translated from Russian by Elena Fedorchuk, Kiva Volunteer.

Шарипова Нозанин жительница горда Яван.Возраст 32 года. Разведена имеет 2 детей.Образования не имеет.Занимается торговлей хозяйственных товаров ( посуда , другие бытовые приборы.)на рынке Явана. Привозит товар из города Душанбе и сама же его реализует на базаре. Имеет торговую точку на районном рынке города Яван. За товаром клиентка выезжает один раз в 10 дней. Опыт работы в данной деятельности около трех лет.Клиентка хочет завести новый ассортимент товара, поэтому она планирует получить кредит.Ее бизнес является единственным источником дохода ее семьи.Кроме того ее деятельность позволяет жителям Явана делать покупки не выезжая из города по доступным ценам.Погасить кредит клиентка планирует в течении 12 месяцев.

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

  • $2,700
    Average annual income
  • 240
    View loans »
    Tajikistan Loans Fundraising
  • $31,826,550
    Funds lent in using Kiva
  • 3.5
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Nozanin to buy new merchandise.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 14, 2008
Mar 30, 2008
Currency Exchange Loss:
May 15, 2009