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This man called Zikrillo is 36. He is married with three children. His wife is a homemaker and takes care of household chores. Their three children are in school. Zikrillo has tried many things in his life and has a great deal of experience in retail and trade. At first he started working in animal husbandry - he bought cattle from one market and resold them with markup at another cattle market. After that he started selling potatoes and onions. He bought goods at wholesale prices from the growers and sold them with markup at a small market near his home. In such a way, he was able to save money, which he put toward the acquisition of a milk stall to sell dairy products. Zikrillo has made the decision to start a new business selling dairy products. He has about $600, but it is not enough to acquire the inventory he needs to begin. For this reason he is asking for a loan. He has already found a milk processor where he will buy his goods and he just needs help to start his business. Please help him!
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Этому мужчине 36 лет. Его зовут Зикрилло. Он женат и имеет троих детей. Его жена домохозяйка, она занимается домашними роботами. Трое его детей учатся в школе. Он в своей жизни пробовал многое и имеет большой опыт работы в сфере торговли. Сначала Зикрилло начал свою деятельность в сфере животноводства. Покупал скота из одного рынка и перепродавал на другом скотном рынке с наценкой. После он начал заниматься продажей картошки и лука. Закупал товар оптом от земледельцев и продавал с наценкой на маленьком рынке рядом с его домом. Таким образом, он накопил денег. На сумму сбережения он приобрел молочную будку для продажи молочных продуктов. Зикрилло твердо решил начать новый бизнес по продаже молочных продуктов. У него есть около $600, но для приобретения начального товара денег не хватает. По этой причине он просит кредит. Он уже нашел молочный комбинат, где будет покупать продукты и осталось ему помочь, чтобы он начал свой бизнес. Помогите ему!

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
  • 255
    View loans »
    Tajikistan Loans Fundraising
  • $31,829,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $2,900 helped Zikrillo to start a business selling dairy products.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 5, 2013
Dec 7, 2013
Currency Exchange Loss:
Feb 5, 2014