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Update on Gaffor

Gaffor continues to run the baking business he inherited from his father. He really appreciates this buisness, because, after all, it lets him provide for his family. His wife and daughter also help him bake the flatbreads. It's their family business. A year and a half ago, Gaffor took out a loan to buy flour and coal. Today, he is applying for a repeat loan for the same purpose: to buy flour and coal in bulk for baking traditional flatbreads.
View original language description ↓
Гаффор продолжает свою пекарную деятельность, которое перешло ему от отца. Он ценит свое ремесло, ведь благодаря ему он обеспечивает свою семью. Его жена и дочь тоже помогают ему в выпечке лепешек. Это их семейный бизнес. Полтора года тому назад Гаффор брал кредит для покупки муки и угля. Сегодня он снова обращается за повторным кредитом с этой же целью. На сумму кредита он хочет закупить муку и уголь для выпечки традиционных лепешек.

Previous Loan Details

Gaffor lives in the city of Isfara. He is 48 years old, married, and has four children. Gaffor sells products he makes himself. Mainly, he bakes flatbreads for sale, which he has been doing this for three years. He is taking this loan to purchase flour and coal More from Gaffor's previous loan »

Additional Information

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Tajikistan

  • $2,700
    Average annual income
  • 247
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Gaffor to buy flour and coal.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 5, 2013
Dec 12, 2013
Currency Exchange Loss:
Jan 17, 2015