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Raf'uddin is a resident of the town of Vahdat. He is married and has two daughters and two sons. He is 49 years old. His wife is a homemaker and his children are still in school. Raf'uddin is in retail. For the past twenty years he has been supporting his family by doing his own retail business. He has a vendor space on the market of the city of Dushanbe where he sells food and fruits. Raf'uddin has two helpers in his business whom he pays salaries monthly. He loves his business and does everything so that he can successfully promote it. Right now Raf'uddin has come for a loan to expand his business. He wants to buy a variety of different foods and seasonal fruits. His stuff is always in good demand because he treats his customers honestly and offers them only good quality produce.
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Рафъуддин житель города Вахдат. Он женат, имеет двоих дочерей и двух сыновей. Ему 49 лет. Его жена домохозяйка, а дети еще учатся. Рафъуддин занимается торговлей. Он в течение 20 лет обеспечивает свою семью за счет своего торгового бизнеса. У него на рынке города Душанбе имеется своя торговая точка, где он занимается продажей продуктов и фруктов. Рафъуддин имеет двух помощников в торговле, которым каждый месяц платит зарплату. Он любит свой бизнес и делает все, чтобы успешно продвигать его. Сейчас Рафъуддин обратился за кредитом, чтобы расширить бизнес. Он хочет купить ассортимент различных продуктов и сезонных фруктов. Его товар всегда имеет хороший спрос, так как он относится к своим клиентам добросовестно и предлагает им товар только хорошего качества.

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
  • 219
    View loans »
    Tajikistan Loans Fundraising
  • $31,059,800
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,700 helped Raf'uddin to purchase a variety of different foods and seasonal fruits to grow business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 19, 2013
Sep 26, 2013
Currency Exchange Loss:
Oct 17, 2014