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Shamigul is from the city of Vahdat and is a faithful wife, good mother and beginning business woman with big plans for her life. She is 48 years old, married and has children. Her husband works in the forestry sector as a head accountant. Shamigul herself has not worked up until this point in her life. Now, she wants to start her own business. She would like to start buying and selling cattle. She is a goal-oriented and positive person. In her yard, Shamigul has built a barn out of mud walls and has supplied it with electricity so the animals will have light and warmth in the winter. She takes into account all the possible unknowns of this business. All that's left is to buy feed and three cattle to start. For this reason, she is taking out a loan. Shamigul hopes that you will help her. She awaits your kindness.
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Шамигул из города Вахдат является верной женой, хорошей матерю и начинающей бизнес леди с огромными планами на жизнь. Ей 48 лет. Она замужем, имеет детей. Ее муж работает в лесном хозяйстве в должности главного бухгалтера. Сама Шамигул до сегодняшнего дня нигде не работала. И теперь она начинает собственное дело. Шамигул хочет заняться купле-продажей крупного рогатого скота. Она целеустремленный и в себе уверенный человек. Шамигул во дворе своего дома успела построить коровник из глиняных стен и провести электричество, чтоб зимой животным было тепло и светло. Шамигул учитывает все капризы этой деятельности. Осталось купить корм и 3-х коров для начала бизнеса. По этой причине она просит кредит. Шамигул надеется, что ей помогут купить коров и корм. Она ждет Вашей помощи!

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
  • 211
    View loans »
    Tajikistan Loans Fundraising
  • $31,059,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,950 helped Shamigul to buy three head of cattle and feed to start a new business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 9, 2013
Oct 13, 2013
Currency Exchange Loss:
Apr 16, 2014