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Khairiniso is 48 years old. She lives with her husband, two sons, a daughter-in-law and a grandson in a village in the Shahrituz region. Khairiniso's family works with field crop cultivation on 0.15 hectares of farm land. Khairiniso bakes homemade cakes and sells them at the market, which is situated next to their home.

Khairiniso is a purposeful and hard working woman. She would like to start a business of fattening and reselling cattle in addition to the baking. They have a cattle shed in their yard, and Khairiniso has also accumulated savings of 1.500 TJS.

Khairiniso requests a loan to purchase four cows and calves and fodder. She plans to raise the cattle for a period of 30-35 days and then lead them to the cattle market to sell. The loan will give Khairiniso an additional source of income and this way increase her living conditions.
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Хайринисо 48 лет. У нее есть муж, двое сыновей, невестка и внук, с которыми она проживает в селе района Шахритус. Семья Хайринисо занимается земледелием на 0,15 га участке приусадебной земли. Сама Хайринисо выпекает домашние лепешки и продает их на рынке, который расположен рядом с их домом. Хайринисо целеустремленная и усердная женщина. Она хотела бы одновременно начать бизнес по откорму и продаже крупнорогатого скота. Во дворе их дома уже есть коровник, а также Хайринисо накопила сбережение в размере 1500 TJS. Хайринисо просит кредит для закупа 4-х голов коров и телят и корма. Она планирует выращивать скот в течение 30-35 дней и затем выводить их на скотный рынок для продажи. Кредит поможет Хайринисо иметь дополнительный источник дохода и таким образом улучшить уровень 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
  • 205
    View loans »
    Tajikistan Loans Fundraising
  • $31,082,850
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,475 helped Khairiniso to purchase four cows and calves and fodder to start a cattle breeding business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 2, 2013
Aug 13, 2013
Currency Exchange Loss:
Jun 17, 2014