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Gulbahor is a humble, active 39-year-old woman who lives in Yavan. She works as a school teacher and is also a member of a collective farm. A collective farm is a small farm, owned by an individual or group, which employs several people. Most of these farms grow cotton, wheat, and vegetables. They account for 60% of the irrigated land in Tajikistan.

Gulbahor has been working on the farm for six years. She grows mainly vegetables and grain. Gulbahor's family life has not come together. She is divorced, has no children, and lives alone. So, she devotes all her time to school and farm work. Currently Gulbahor's plot of land is ready for sowing. She is asking for a loan to buy seeds, fertilizer, and fuel. Gulbahor plans to spend any money she makes on finishing the inside of her newly built home.
View original language description ↓
Гулбахор 39 летняя скромная и деятельная женщина, которая проживает в районе Яван. Она работает в школе учительницей и одновременно является членом дехканского хозяйства. Дехканское хозяйство это небольшое индивидуальное или коллективное частное хозяйство, в котором работают несколько людей и где в основном выращивают хлопок, пшеницу или овощи - которые занимают 60% орошаемых земель в Таджикистане.
В дехканском хозяйстве Гулбахор работает вот уже 6 лет. Она в основном выращивает огородные и зерновые культуры.
Семейная жизнь Гулбахор не сложилась. Она разведена, не имеет детей и живет одна. Поэтому она все свое время посвящает школе и работе на земле. В данный момент Гулбахор свой участок земли готовит к посеву. Она просит кредит, чтобы приобрести семена, минеральные удобрения и топливо. Гулбахор планирует потратить полученную прибыль на внутренний ремонт своего новопостроенного дома.

Additional Information

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
  • 210
    View loans »
    Tajikistan Loans Fundraising
  • $31,077,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Gulbahor buy seeds, fertilizers and fuel, so she can make enough money to renovate her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 24, 2013
Nov 15, 2013
Currency Exchange Loss:
Sep 17, 2014