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Gulraftor H. produces sour milk products to sell at the market and to her neighbors. She has a cow that yields about ten liters of milk per day. However, this isn't enough for her business to grow, so Gulraftor has applied for a twelve month loan to purchase a second cow for additional milk. With two cows, Gulraftor can increase her production volume and increase her income.

Translated from Russian by Susie Armitage, Kiva volunteer.

Холова Гулрафтор производит кисло-молочные продукты и продает на рынке и соседям. Имеет во дворе корову , которая дает около 10 литров в день. Но этого не хватает для того , чтобы равивать свой бизнес. Поэтому со сроком в 12 месяцев она хочет получить кредит для того , чтобы купить еще одну корову , которая будет давать дополнительное молоко.ь Таким образом она сможет увелить объем производимой продукции , а так же увеличить доход.

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
  • 203
    View loans »
    Tajikistan Loans Fundraising
  • $31,100,325
    Funds lent in using Kiva
  • 3.4
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Gulraftor to buy a milk cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 12, 2008
Aug 29, 2008
Currency Exchange Loss:
Oct 15, 2009