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A'zamkhon is 40 years old and from the Hamadoni region. He is a father to two sons and one daughter. A'zamkhon has a degree in pedagogy and has been working for 10 years in a school as a teacher. His wife doesn't work and takes care of the home. As do all his neighbours, A'zamkhon keeps cattle for his family's personal needs. Now he is requesting a loan to buy a pair of steers and run a business fattening and selling big-horned cattle. The amount he is borrowing to start his business is small, since some breeds of cows and steers cost a lot. A'zamkhon has decided not to take a chance with such a large sum. First he wants to acquire the necessary experience in the business and then he plans to expand it. He hopes that this work will bring him and his family good revenue and that their living conditions will improve.
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Аъзамхон из района Хамадони, ему 40 лет, он отец двух сыновей и одной дочери. Аъзамхон имеет высшее педагогическое образование и в течение 10 лет работает в школе учителем. Его жена не работает и ведет домашнее хозяйство. Дома у Аъзамхона как и у всех его односельчан имеется скот для нужды семьи. Сейчас Аъзамхон просит кредит, чтобы закупить пару бычков и заняться бизнесом по откорму и продаже крупнорогатого скота. Для начала такого бизнеса сумма, которую он берет маленькая, так как некоторые породы коров и быков стоят дорого. Аъзамхон решил не рисковать с большой суммой. Сперва он хочет получить необходимый опыт в бизнесе и затем он уже планирует расширить бизнес. Он надеется, что такая деятельность принесет ему и его семье хороший доход и их условия проживания улучшатся.

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
  • 203
    View loans »
    Tajikistan Loans Fundraising
  • $31,085,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,050 helped A`zamkhon to buy a pair of steers, to start a business fattening and selling cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 4, 2013
Oct 9, 2013
Currency Exchange Loss:
Jun 17, 2014