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Update on Nizom

Nizom took out a previous loan in order to purchase cosmetics and various accessories. He continues to run his business with success because he's a very good salesman with 10 years of experience. Nizom is very polite and kind to his customers.

Nizom wants to increase his goods turnover. He's asking for a loan in order to purchase some more cosmetics and toys for children.
View original language description ↓
Низом предыдущий кредит брал для приобретения косметики и аксессуаров. Он успешно продолжает свою торговую деятельность. У него 10-летний опыт в этом бизнесе. Низом очень хороший торговец. Он обращается со своими клиентами учтиво и доброжелательно. Сейчас Низом хочет увеличить товарооборот. Он запрашивает повторный кредит для приобретения ассортимента товара (косметики и детских игрушек).

Previous Loan Details

Nizom is a thirty-two-year-old man living in the Dangara district. He is married and has three children. His children attend a secondary school. Nizom has a secondary education. He is involved in sales of telephone panels, remote control batteries, hair accessories and jewelry. He has been i... More from Nizom's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Tajikistan

  • $2,700
    Average annual income
  • 261
    View loans »
    Tajikistan Loans Fundraising
  • $31,829,875
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Nizom to purchase cosmetics and children's toys.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Apr 24, 2013
May 2, 2013
Currency Exchange Loss:
Apr 16, 2014