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Nigora is a 23-year-old young woman living in the J. Rumy district. She is still unmarried, and lives with her mother and brother. Nigora has decided to start her own business. She studied this occupation, and now wants to put her skills to work. In order to reach her goal, Nigora is asking for a loan to purchase a sewing machine. She plans to take orders to sew traditional women's dresses. Seamstress services are in high demand in the district. Almost all women and girls prefer to order custom dresses. Nigora is ready to seriously dive into this profitable business, and to use her income to help her mother provide for the family.
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Нигора 23-летняя молодая девушка, проживающая в районе Дж.Руми. Она еще не замужем и живет с матерью и братом. Нигора сейчас решила начать собственное швейное дело. Она изучила эту профессию и теперь хочет применить свои способности на деле. Для реализации цели Нигора просит кредит, чтобы купить швейную машинку. Она планирует принимать заказы на шитьё женских национальных платьев. Услуги швеи очень востребованы в их районе. Почти все женщины и девушки предпочитают шить платья на заказ. Вот и Нигора намерена серьезна заняться этим прибыльным бизнесом и своим доходом помогать матери в обеспечении 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
  • 205
    View loans »
    Tajikistan Loans Fundraising
  • $31,077,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Nigora to buy a sewing machine in order to start a sewing business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 8, 2013
Nov 12, 2013
Currency Exchange Loss:
Dec 17, 2014