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Bahrigul Kalandarova lives in the city of Vahdat. She is 26 years old, not married, and has a tech school education. She works as a dressmaker in studio #3 sewing folk style dresses to order. She cannot buy a cow from this income, and therefore wants to take out a loan to buy one. She plans on selling the cow’s milk to neighbors, which will be advantageous to her and her neighbors because her milk will sell for lower prices. She will repay the loan within 12 months.

Translated from Russian by Dan Ostrovsky, Kiva volunteer.

Каландарова Бахригуль жительница города Вахдат .Возраст 26 лет. Незамужем . Имеет средне – специальное образование. Работает портнихой в ателье №3 . Шьет национальные платья на заказ. На зарабатываемые деньги она не может приобрести корову , поэтому хочет получить кредит и купить дойную корову. Получаемое молоко будет продавать соседям. Это будет выгодно для нее и для соседей. Так как молоко будет продавать по более низким ценам. Погасить кредит планирует в течение 12 месяцев.

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
  • 209
    View loans »
    Tajikistan Loans Fundraising
  • $31,077,600
    Funds lent in using Kiva
  • 3.4
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Bahrigul buy a cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 15, 2008
Oct 1, 2008
Currency Exchange Loss:
Nov 15, 2009