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Saibibi is a 56-year-old widow. She, her son, daughter-in-law and grandson live in Dushanbe, Tajikistan. Her son works in home repair and her daughter-in-law makes the national women's dress. Saibibi is a homemaker. Up until this time, she has not worked. She now wants to open a grocery store. She constructed a building next to her home for the store and bought a refrigerator, shelving, tables and part of her inventory. She doesn't have the funds to buy the rest of the products she intends to sell so she's taking out a loan. With the loan, she'll make the rest of the necessary purchases and open the store. Her son and daughter-in-law will help her run the business. The loan will allow Saibibi to start her family business and improve her quality of life.
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Сайбиби 56-летняя вдова. Она вместе с сыном, невесткой и внуком проживает в городе Душанбе. Ее сын предоставляет услуги мастера по ремонту домов, а невестка занимается шитьем национальных женских платьев. Сама Сайбиби домохозяйка. Она до этого времени нигде не работала. Сейчас она хочет открыть продуктовый магазин и начать торговый бизнес. Она рядом с домом построила помещение для магазина, закупила холодильник, стеллаж, столы и одну часть продуктов питания. У нее не хватило денежной суммы, чтобы полностью закупить продукты. Поэтому Сайбиби обратилась за кредитом. На сумму кредита она хочет купить остальные продукты питания и открыть магазин. Ей в ведении бизнеса будут помогать сын и невестка.
Кредит позволит Сайбиби начать семейный торговый бизнес и улучшить качество жизни.

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
  • 255
    View loans »
    Tajikistan Loans Fundraising
  • $31,829,875
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Saibibi to buy food goods to open a new grocery store.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jul 29, 2013
Aug 5, 2013
Currency Exchange Loss:
Feb 17, 2014