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The woman in the picture is named Gulzira. She is 43 years old, married, and has two grown daughters. The elder of them is 23 years old, the younger is 21. Her children are studying the sewing of traditional clothing. Gulzira herself is a farmer. She plants vegetables on a plot near the house. Her daughters help her with this difficult work. Now is the time to put in winter crops, and Gulzira is getting ready for planting. She wants to plant potatoes, but first she needs to enrich the soil with mineral fertilizers. She doesn't have the money to buy the amount of fertilizer needed, so she is asking for a loan. She believes that she will have a good harvest, and her labors will not be without reward.
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Женщину на фотографии зовут Гулзира. Она замужем. Ей 43 года. Гулзира имеет двух взрослых дочерей. Старшей из них 23 года, младшей 21 год. Ее дети занимаются шитьем национальной одежды. Сама Гулзира занимается земледелием. Она сажает овощи на земельном участке рядом с домом. В такой нелегкой работе ей помогают ее дочери. Сейчас время для посева зимнего урожая и Гулзира активно готовится к посеву. Она хочет посадить картошку, но с начало ей надо обработать землю минеральными удобрениями. Для приобретения нужного количества минеральных удобрений ей не хватает средств, по этой причине Гулзира просит кредит. Она верит, что получит хороший урожай, и ее труды не останутся без награды.

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
  • 264
    View loans »
    Tajikistan Loans Fundraising
  • $31,829,875
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Gulzira to buy fertilizer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 12, 2013
Nov 24, 2013
Currency Exchange Loss:
Dec 17, 2014