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Muhabbat is from the Spitamen region of Tajikistan. She is 53 years old, and lives together with her husband, 3 daughters, and her son. Her husband works in a cotton-processing factory as a press operator, whereas Muhabbat bakes flatbread in a bakery and sells it at a local market. She is currently a tenant on a 2-hectare plot of land where she grows rice.

Lately, Muhabbat has been thinking it would be a good idea to start raising livestock at home. She has no previous experience doing so, but her neighbors do, and are willing to help her if need be; nearly two-thirds of the population in Spitamen raise livestock. Muhabbat will be using her own money to build a cow shed and buy cattle feed for her new business, and hopes to use a loan to buy cattle (4 cows and 4 calves).
View original language description ↓
Мухаббат из района Спитамен. Ей 53 года. Она живет с мужем, тремя дочерьми и сыном. Ее муж работает на заводе по обрабатыванию хлопка, прессовщиком. Мухаббат печет лепешки в пекарне и продает их на центральном рынке. Одновременно она арендует 2 га участка земли, на котором выращивает рис. Сейчас Мухаббат хочет у себя дома заниматься скотоводством. У нее нет опыта работы в этой сфере деятельности. Но ей помогут соседи. Почти двух третей населения Спитаменского района занимаются животноводством. Мухаббат начинает свой бизнес с собственным капиталом в виде коровника и корма для скота. На сумму от кредита она хочет закупить 4 голов коров и телят.

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 Muhabbat buy 4 cows and calves each to set up a new business (fattening cattle and selling them).
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 2, 2013
Oct 5, 2013
Currency Exchange Loss:
Nov 17, 2015