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Saidmurod is 48 years old, and lives in the J. Rumy district. He has a large family: he is married and has five children. Saidmurod, as the head of the family, wants to provide good living conditions for the family and provide his children with an education. To do this he is planning to start an income generating business - sheep husbandry. Sheep breeding is only weakly impacted by market swings because wool is always needed by consumers. Sheep cheese is also highly valued, as it is considered very healthy since it is not fatty and has many nutrients. Additionally lamb meat is considered a choice delicacy, and many restaurants showcase their lamb dishes. The first offspring of a ewe can be sold at 8-9 months, and the lamb gains weight fairly quickly. Saidmurod has a good place for keeping and breeding sheep. He plans to buy four, and after a month of feeding them, sell them at the local market for a profit. To reach that goal, Saidmurod is asking for a loan. He hopes to use the loan to buy four sheep and their feed, and get his business started.
View original language description ↓
Саидмуроду 48 лет, живет он в районе Дж.Руми. У него большая семья. Он женат и отец пятерых детей. Саидмурод как глава семьи хочет создать хорошее условие проживания для своей семьи и дать образование своим детям. Для этого он собирается заняться прибыльным бизнесом - овцеводством.
Овцеводство как отрасль слабо зависит от колебаний рынка, ведь шерсть как продукт всегда востребована у потребителей. Так же высоко ценится овечий сыр, который считается диетическим продуктом, он не жирный и содержит много полезных веществ. А мясо молодого ягненка считается изысканным деликатесом, многие рестораны считают блюдо, приготовленное из такого мяса, своим коронным. Первое увеличение потомства овца может дать уже в возрасте 8-9 месяцев, а вес молодняк набирает достаточно быстро.
Саидмурод имеет хорошее место для содержания и разведения овец. Он планирует закупать по 4 голов овец и после одного месяца их откорма продавать на местном рынке с хорошей наценкой. Для реализации цели Саидмурод обратился за кредитом. На сумму кредита он хочет приобрести четырех овец и их корм и приступить к деятельности.

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 MDO Humo and Partners

MDO 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
  • 218
    View loans »
    Tajikistan Loans Fundraising
  • $32,074,750
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Saidmurod buy four sheep and their feed to start a sheep breeding business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 3, 2013
Jul 7, 2013
Currency Exchange Loss:
Apr 16, 2014