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Muhamad is 29 years old. He is married and has three children. Muhamad is involved in raising livestock. Previously, he worked for a time in Russia. Not finding permanent work, he returned to his home country at the request of his brothers and got involved in animal husbandry like his brothers. Muhamad tends to the cattle and takes milk from them. Muhamad's mother and wife are involved in selling, milk, sour cream, and homemade kefir. Muhamad does not regret that he returned to his home country. Now, he has some work, and he can do it from home. He is near his family and native people.

Muhamad has a small quantity of cattle and he wants to take a loan to buy several cows, in order to grow his sales of dairy products. While growing his sales, he will also increase his income from his activities. And he will be able to save money for his children's education in school.
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Мухамаду 29 лет. Он женат и имеет троих детей. Мухамад занимается животноводством. Ранее он работал на временные работы в России. Не найдя постоянную работу он по просьбе своих братьев вернулся на родину и стал работать в сфере животноводства как и его братья. Мухамад ухаживает за скотами и берет от них молоко. Продажей молока, сметаны и домашнего кефира занимаются мама Мухамада и его жена. Мухамад не жалеет, что вернулся на Родину. Теперь у него есть определенная работа, и он может ею заниматься дома. Он находится рядом с семьей и родными людьми.
У Мухамада малое количество коров и он хочет взять кредит и купить несколько коров, чтобы продажа молочных продуктов возросла. Тем самым возрастет и доход от его деятельности. И он сможет накопить денег для образования детей в школе.

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
  • 219
    View loans »
    Tajikistan Loans Fundraising
  • $31,059,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Muhamad to buy a few head of cattle.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 6, 2013
Dec 13, 2013
Currency Exchange Loss:
Oct 17, 2014