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Bibirokiya R. lives in the Khuroson area. She is 52 years old, married and has 3 children. She has a community college degree. Bibirokiya buys and re-sells sheep and goats. She buys the animals at the local market, as cheaply as she can. She then keeps and feeds them for about 1 month and then re-sells them at a higher price. She has been doing this for over 3 years. Bibirokiya's husband is a pensioner, but the pension is very small. The animal sales are the only income for her family. Bibirokiya would like to use the loan to buy some lambs. She plans to repay the loan within 10 months.

Translated from Russian by Olga Espira, Kiva volunteer.

Раматова Бибирокия жительница района Хуросон. Ей 52 года, замужем ,имеет 3 детей.Образование средние. Бибирокия занимается животноводством. Она разводит мелкий рогатый скот. Клиентка покупает на местном рынке мелкий рогатый скот( барашков и коз) по дешевле.Откармливает их 1 месяц и перепродает местным жителям по более выгодной цене. Занимается этой деятельностью более 3 лет. Муж клиентки пенсионер, получает очень маленькую пенсию. Животноводство является единственным источником дохода ее семьи. На кредит Бибирокия хочет купить молодых ягнят для откормки. Планирует погасить кредит в течние 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
  • 237
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • 3.4
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Bibirokiya to buy lambs.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jun 23, 2008
Jun 8, 2008
Currency Exchange Loss:
May 15, 2009