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Zarrina is a married woman and a mother of five children. She lives in the city of Kulob. Her husband is currently working abroad. Zarrina also works and provides for the family. She has been involved in sales for six years. She has a retail outlet at the city market, where she sells children's clothing. Her oldest son helps her with the business. Zarrina buys her goods from a wholesale market in Dushanbe four times per month, brings them to Kulob and sells at a retail price. Zarrina loves her retail business very much because she earns a good income. Zarrina requested this loan to increase goods turnover. She is requesting this loan to purchase seasonal children's clothing.
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Заррина замужняя женщина и мать пятерых детей. Она проживает в городе Куляб. Ее муж в данное время находится на заработках за пределами страны. Сама Заррина тоже трудится и обеспечивает семью. Вот уже 6 лет как она занимается торговлей. На рынке города у нее имеется торговая точка, где она продает детскую одежду. В бизнесе ей помогает ее старший сын. Заррина закупает свой товар в месяц 4-раза с оптового рынка города Душанбе, привозит в Куляб и продает на рынке по розиночной цене. Заррина очень любит свой торговый бизнес, так как получает хороший доход. Чтобы увеличить товарооборот Заррина обратилась за кредитом. Она просит кредит для закупа сезонной детской одежды.

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
  • 214
    View loans »
    Tajikistan Loans Fundraising
  • $31,059,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Zarrina to purchase seasonal children's clothing.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 6, 2013
May 23, 2013
Currency Exchange Loss:
May 17, 2015