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Karima Kaharova lives in the town of Quargan-Tube. She is 48 years old, married, and has 4 children. She has secondary education. By profession, she is a pastry-cook. She owns a small business - she bakes pastries at home and sells them in large quantities to distributors, who in turn sell her products in markets. In addition, people place custom orders and she bakes for them, as these types of products are in high demand. In small towns and villages, people often organize celebrations and fully serve the guests. For this reason, they often buy baked products. This helps them to save money and time. Currently, Karima has one oven, which is not enough. Lack of the second oven becomes a bottleneck and prevents her from producing more.

She decided to purchase a large oven, and for that reason, is asking for a loan. The credit will help her increase the volume of production and sales. Karima will be able to collect earnings earlier than before. Even a small extra amount of income will help her family improve their standard of living since she is the sole provider for her family. She plans to pay off the loan within 12 months.

Translated from Russian by Vasilisa Budnikova, Kiva Volunteer.

Кахорова Карима жительница города Курган-тюбе. 48 лет , замужем и имеет 4 детей. Образование средне-специальное. По профессии кондитер. Занимается частным предпринимательством. Выпекает на дому булочки и сдает под реализацию на рынки.Кроме того она выпекает булочки на заказ , так как эта продукция пользуется спросом у населения. В сельской местности население часто проводят мероприятия и накрывают столы , поэтому им необходимо покупать выпечку. Это помогает им сэкономить время и деньги .Сейчас у клиентки есть одна печка и ее ей не хватает , потому что это замедляет ход работы. Теперь она решила приобрести большую печь , путем получения кредита. Это поможет клиентке увеличить объем выпекаемой продукции . тем самым увеличивая реализацию. Это поможет Кариме получить доход немного больше чем раньше , даже небольшой доход поможет ее семье жить лучше. Так как она является единственным кормильцем семьи. Погасить кредит клиентка сможет 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
  • 209
    View loans »
    Tajikistan Loans Fundraising
  • $31,070,500
    Funds lent in using Kiva
  • 3.5
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Karima to purchase an oven.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 26, 2008
May 12, 2008
Currency Exchange Loss:
Jun 15, 2009