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The pretty woman in the photo is Shahzoda. She is 46 years old. She is the mother of two children and a faithful wife. Her husband is working abroad. Her son is also out of the country. She lives in the city of Dushanbe with her daughter. Her daughter is studying at the university. Shahzoda is a housewife and most her time she spends alone at home. Therefore, Shahzoda decided not to just sit around, and she opened a grocery store near her house. She built a small room, and the only thing left is to finish the interior and to buy food. She doesn't have enough money to make repairs and buy goods. Shahzoda believes that people will patronize her shop, and it will not only give her something to do, but will also allow her to contribute to the family budget.
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Милая женщина на фотографии это Шахзода. Ей 46 лет. Она мать двоих детей и верная жена. Ее муж находится на заработках заграницей. Сын тоже за пределами страны. Она живет в городе Душанбе с дочерью. Ее дочь учится в университете. Шахзода домохозяйка и большую часть времени она проводит дома одна. Поэтому Шахзода решила не сидеть без дел и открыть возле дома продуктовый магазин. Она построила маленькое помещение, только осталось провести внутренний ремонт в помещение и закупить пищевые продукты. На ремонт и на товары у нее не хватает средств. Шахзода верит, что ее подержат и она найдет применение своему свободному времени, а также будет приносить свой вклад в 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 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
  • 255
    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 $2,000 helped Shahzoda to finish building a store and buying food.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 11, 2013
Oct 22, 2013
Currency Exchange Loss:
Nov 17, 2014