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Tamano is a 27 year old married woman from the countryside. She lives in the J. Rumi district. Her husband is a farmer. He practices crop farming on a 0.15 hectare of land. Tamano decided to start earning money as well. As there is a barn for holding livestock in the backyard of their house, Tamano wants to practice animal husbandry, specifically raising sheep. She thinks that sheep rearing is not overly time-consuming and does not require a lot of effort. It is a very profitable business for those who do it, as lamb meat is always in demand. In order to start her business, Tamano is requesting a loan. She plans to buy 15 sheep every month, and after the course of a month, fatten them up and resell them at the livestock market. Thanks to the loan, she will have her own business with a stabile income, which will allow her to increase her family's budget.
View original language description ↓
Тамано сельская замужняя женщина в возрасте 27 лет. Она проживает в районе Дж.Руми. Ее муж дехканин. Он на 0,15 га участке земли выращивает сельскохозяйственную культуру. Тамано тоже решила начать зарабатывать. Так как при дворе их дома имеется сарай для содержания скота, Тамано хочет заняться животноводством, а именно овцеводством. Она считает, что разведение овец дело не трудоемкое и не требует больших усилий. К тому же это очень прибыльный бизнес так как мясо ягненка всегда в спросе. Чтобы начать свой бизнес Тамано запрашивает кредит. Она планирует каждый месяц закупать по 15 голов овец и после одного месяца откорма, перепродавать на скотном рынке. Благодаря кредиту у нее будет собственный бизнес со стабильным доходом, что позволит увеличить бюджет семьи.

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
  • 204
    View loans »
    Tajikistan Loans Fundraising
  • $31,083,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,225 helped Tamano to buy 15 sheep to start her sheep rearing business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 2, 2013
Oct 7, 2013
Currency Exchange Loss:
Oct 17, 2014