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Zulfiya is 37 years old. She is married and has one son. Her husband and son work in the village collective farm. Zulfiya also wants to help her family. She can embroider traditional Tajik women's dresses. But she does not have a sewing machine. This is why Zulfiya decided to take out a loan and buy a sewing machine. Her dream is to save enough money to do remodeling in her home.
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Зулфие 37 лет. Она замужем и имеет одного сына. Муж и сын работают в дехканском хозяйстве. Зулфия тоже хочет помогать семье. Она умеет вышивать национальные женские одежды. Но у нее нет швейной машины. Поэтому Зулфия решила брать кредит и приобрести швейную машину. Ее мечта скопить достаточно денег и сделать ремонт в доме.

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
  • 206
    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 $550 helped Zulfiya to purchase a sewing machine.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 17, 2013
Feb 4, 2013
Currency Exchange Loss:
Jan 18, 2014