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Zarina is 43 years old and married. She, her husband, and children live in Vahdat, a city not far from the capital. Her husband works as an administrative manager in the school their children attend. Zarina had her own business until six years ago when circumstances forced her to close it.

Now she has decided to restart her business, since her children have already grown up a bit and she can dedicate herself to her business. To realize her goal, Zarina applied for a loan. She already has her own shop. With the loan funds and her own savings, Zarina wants to buy grocery items in order to open her store and start selling. She plans on expanding her business in the future and open a second store. She is very happy that she will again be independent. You'll have to agree that it's a pleasant feeling to know that you don't have to rely on anyone and that you can allow yourself and your children some of the fun things in life.
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Зарина замужняя женщина в возрасте 43-х лет. Она вместе с мужем и детьми проживает в городе Вахдат недалеко от столицы. Ее муж работает в гимназии завхозом. Дети учатся в школе. Сама Зарина 6 лет тому назад имела торговый бизнес, однако по причине обстоятельств она вынуждена была прекратить свой бизнес.
Сейчас она решила заново начать свой бизнес, так как дети уже подросли и она может посвятить себя работе. Для осуществления своей цели Зарина обратилась за кредитом. У нее имеется собственный магазин. На сумму кредита и своего сбережения Зарина хочет приобрести продукты питания, чтобы открыть магазин и приступить к продажам. В дальнейшем она планирует расширить свой бизнес и открыть еще одну точку продажи. Она счастлива, что снова будет независимой. Ведь согласитесь это приятное ощущение ни от кого зависеть и позволять себе и детям всякие радости.

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
  • 217
    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 Zarina to buy grocery items and open a store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 4, 2013
Sep 14, 2013
Currency Exchange Loss:
Jul 17, 2014