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Makhfirat lives in Gissar. She is 36, divorced, and is raising two children. Over the past five years Makhfirat has been working as a midwife in the district's central hospital. Since her small income is not enough to provide for her family's needs, she would like to improve the family's finances by opening a sewing business. Makhfirat knows how to make traditional dresses. She is requesting a loan to buy a sewing machine and fabric. With the income, Makhfirat plans to repair her house, as well as gradually put away money to pay for her son's college.
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Махфират жительница Гиссарского района. Она 36-летняя разведенная женщина одна воспитывает двоих сыновей. Махфират в течение 5 лет работает акушеркой в центральной больнице района. Так как ее маленькая заработная плата не хватает на семейные расходы, она хотела бы одновременно заняться швейным делом и улучшить финансовое положение семьи. Махфират умеет вышивать женские национальные платья. Кредит берет для приобретения швейной машины и тканей для шитья. В будущем за счет прибыли с деятельности Махфират планирует провести ремонт в доме, а также постепенно откладывать на учебу сына в высшем учебном заведении.

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
  • 201
    View loans »
    Tajikistan Loans Fundraising
  • $31,083,650
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,025 helped Makhfirat to buy a sewing machine and fabric.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 22, 2013
May 28, 2013
Currency Exchange Loss:
Mar 17, 2014