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Ruzigul S. lives in the town of Vahdat. She is 53 years old and has 5 children. She has high school education. She does not have any other source of income except for the proceeds from sales of milk from the cow that she currently has. She has been in this business for the last 6 years. She plans to use the loan towards a purchase of another milk cow. She will be able to increase her income by selling more milk. At this time, the prices for cattle are low because of the general lack of cattle food. Thus, this will be a profitable purchase for Ruzigul and for the local residents, who will be able to purchase fresh milk at good prices. She will be paying off the loan within the next 10 months.

Translated from Russian by Vasilisa Budnikova, Kiva Volunteer.

Сафарбекова Рузигул жительца города Вахдат. Возраст 53 года, вдова , имеет 5 детей.Образование среднее. Нигде не работает. Занимается животноводством.Имеет дойную корову, молоко которой использует для семьи и для реализации. Опыт работы в данной сфере около 6 лет. Планирует получить кредит , для того чтобы купить еще одну корову и получаемое молоко продавать, тем самым увеличив доход. В данный момент цены на КРС упали т.к в феврале у населения обычно кончается корм, поэтому данная покупка может быть выгодна для клиентки, а так же для населения ,которое сможет покупать свежее молоко и по доступным ценам. Погасить кредит клиентка планирует в течении 10 месяцев.

Additional Information

About MDO Humo and Partners

MDO 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
  • 225
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • 3.5
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Ruzigul to purchase a milk cow.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 14, 2008
Mar 31, 2008
Currency Exchange Loss:
Mar 16, 2009