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Gulzinat is a resident of the Yavan district. She is 32 years old, married and has three children. Gulzinat has a secondary education. She is involved in household work. Gulzinat lives together with her husband's parents. Her husband and father-in-law work abroad. Gulzinat has one calf, which she recently bought for her family (to get milk and milk products in the future). Gulzinat decided to get involved in animal husbandry after her husband's departure. She is requesting this loan to buy several bulls and one calf in order to start her business.
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Гулзинат жительница Яванского района. Ей 32 года. Она замужем. У нее трое детей. Гулзинат имеет среднее образование. Она занимается домашним хозяйством. Гулзинат живет вместе с родителями мужа. Ее муж и свекор находятся за рубежом на заработках.
Гулзинат имеет одного теленка, которого она приобрела не давно для своей семьи (в будущем для получения молока и молочных продуктов).
После отъезда мужа Гулзинат решила заняться скотоводством. Она просит кредит для закупа несколько голов бычков и одного теленка, чтобы начать свою деятельность.

Additional Information

More information about this loan

This loan is part of Humo's startup loan program targeting particularly vulnerable clients who live at subsistence and do not qualify for the standard loan due to lack of income from an existing business. This program offers clients up to a 4-month grace period on the loan. By funding this loan, you are supporting borrowers who have limited options to start and grow small businesses. This has the potential to alleviate the effects of poverty, significantly improving borrowers' incomes and their families' quality of life. 

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
  • 214
    View loans »
    Tajikistan Loans Fundraising
  • $32,092,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Gulzinat to buy several bulls and one calf.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
At end of term
Jul 20, 2012
Jul 30, 2012
Currency Exchange Loss:
Nov 20, 2012