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Zeboniso is a 53-year-old, divorced woman. She has a son, daughter-in-law, and grandson, with whom she lives in the Khuroson Khatlon region of Tajikistan.

Zeboniso wants to start her own business. She has five years experience in trade. Previously, she worked as a salesclerk in store. Now, she intends to open her own grocery store. Next to her home, Zeboniso has built a construction for a store. Left to her now is only to purchase goods and to start the business. To that end, Zeboniso requested a loan. With the loan, she wants to buy a diverse assortment of food products, specifically butter, sugar, tea, cookies, chocolate, pasta, sausage products, dairy products, etc.

She believes that her business will be quite successful as there is not in their area such a big grocery store that offers so much variety. And besides that, Zeboniso will bring only quality and fresh products. Zeboniso knows that her goal will be realized only with support.
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Зебонисо 53-летняя разведенная женщина. У нее есть сын, невестка и внук, с которыми она проживает в районе Хуросон Хатлонской области Таджикистана. Зебонисо хочет начать собственный бизнес. У нее есть 5-летний опыт в торговле. Раньше она работала продавщицей в магазине. Теперь она собирается открыть собственный продуктовый магазин. Зебонисо рядом с домом построила помещение для магазина. Ей осталось закупить товар и начать бизнес. С такой целью Зебонисо обратилась за кредитом. На сумму кредита она хочет купить разнообразный ассортимент продуктов питания, в частности масло, сахар, чай, печенье, шоколад, макароны, колбасные изделия, молочные продукты и т.д. Она считает, что ее бизнес будет довольно успешным, так как в их местности нет такого большого продуктового магазина, который предлагал бы большой ассортимент продуктов. И к тому же Зебонисо будет привозить только качественные и свежие продукты. Зебонисо знает, что ее цель реализуется только с помощью вашей поддержки.

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
  • 225
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,950 helped Zeboniso to buy food products in order to open a store.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 23, 2013
Aug 2, 2013
Currency Exchange Loss:
Aug 17, 2015