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Shahrinisso N. lives in the city of Vahdat. She is 43 years old, is married and has 6 children. She has a High School education. She is self employed. She sells household items from her own house. She sells laundry detergent, soap and other cleaning supplies. This business is the main source of income for her family. Her turnover, however, is relatively small and does not allow her to increase the variety of goods she has for sale. The profit from the business is just large enough to feed her family. Shahrinisso wishes to see her business grow and generate more and more profit. For this reason she wishes to obtain a loan, which will allow her to diversify her selection of goods up for sale. In addition to that, the loan will allow her neighbors, who are also Shahrinisso's main clients, to purchase more goods close to home without having to travel to the market. The client plans to repay the loan in a 9 months period.

Translated from Russian by Jane Mazur. Kiva volunteer

Назирова Шахриниссо живет в городе Вахдат. Ей 43 года Замужем, имеет 6 детей. Образование среднее. Она закончила среднюю школу. Нигде не работает, но занимается частным бизнесом в сфере торговли . Торгует из дома продовольственными товарами. Торгует порошками , мылом и другими моющими средствами. Этот бизнес является основным источником дохода ее семьи. Но у нее не очень большая оборотная сумма. Которая не позволяет ей увеличить ассортимент товара. Доход от ее нынешней торговли хватает только для того , чтобы прокормить семью, а клиентка хочет , чтобы все-таки ее бизнес развивался и приносил большую прибыль. Для этого клиентка планирует получить кредит. Получив дополнительные средства у нее появится возможность разнообразить ассортимент товара. Кроме того соседи , которые являются основными ее покупателями получат возможность иметь больший выбор и им не придется ездить за покупками на рынок. Погасить кредит клиенка сможет в течении 9 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
  • 263
    View loans »
    Tajikistan Loans Fundraising
  • $31,845,600
    Funds lent in using Kiva
  • 3.5
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Shahrinisso diversify goods offered for sale.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
May 27, 2008
May 5, 2008
Currency Exchange Loss:
Mar 16, 2009