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Nazokat lives in the Shahrituz district. She is a 30 year-old married woman, who has four children. Her husband works as a construction worker. Nazokat has a secondary education. She got married after finishing school and has been involved in household work. Her husband provided and continues to provide for the family, but with time, the children grow up, and the needs increase accordingly. It becomes difficult for one person (Nazokat's husband) to earn money and provide the family with all of the necessities. Today, Nazokat decided to get involved in animal husbandry at home. She intends to earn an additional income and provide for the family together with her husband. Nazokat is requesting this loan to buy calves, goats and sheep.
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Назокат проживает в районе Шахритус. Она 30 - летняя замужняя женщина. У нее четверо детей. Ее муж работает строителем.
Назокат имеет среднее образование. Она после окончания школы вышла замуж, занималась домашним хозяйством. Ее муж обеспечивал и обеспечивает свою семью. Но со временем дети становятся взрослыми и потребности соответственно увеличиваются. Одному человеку (мужу Назокат) становится трудно зарабатывать и обеспечивать семью всеми необходимыми.
На сегодняшний день Назокат решила заняться животноводством у себя дома. Таким образом она намерена получить дополнительный доход и вместе с мужем обеспечивать семью. Назокат берет кредит для закупа телят, коз и овец.

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 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
  • 205
    View loans »
    Tajikistan Loans Fundraising
  • $31,826,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Nazokat to buy calves, goats and sheep.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 12, 2012
Sep 19, 2012
Currency Exchange Loss:
Oct 17, 2014