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Zarif is an energetic man from the Shahritus district. He is 33 years old and married. He wants to have a chance to do and try everything in life. Zarif lives in a village, where he raises livestock and plants crops. He chose this kind of work because of the fresh, clean air and climate that has a positive effect on farming activities. The land he works does not belong to him, so he has decided to start his own business.

Zarif has decided to start a business selling walnuts and almonds, and has taken out a loan to buy them. He is using the full amount of the loan to buy the goods and hopes to sell them successfully.
View original language description ↓
Зариф активный мужчина из района Шахритус. Ему 33 года и он женатый мужчина. Зариф хочет в своей жизни успеть во всем и попробовать все. Зариф живет в одном из сел района Шахритус. Там он занимался животноводством и растениеводством. Причина, по которой он выбрал эти деятельности, является чистый, свежий воздух и климат, который благоприятно влияет на такие деятельности. Земля, на которой он работал, сейчас принадлежит не ему. И он решился начать новый бизнес.
Зариф решил заняться торговлей. Он хочет начать свой бизнес по продаже грецких орехов и миндаля. На сумму от кредита он намерен купить грецкие орехи и миндаль. На всю сумму кредита он купит товар и надеется успешно его продать.

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 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.


About Tajikistan

  • $2,700
    Average annual income
  • 222
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Zarif to purchase almonds and walnuts.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 12, 2013
Dec 19, 2013
Currency Exchange Loss:
Dec 17, 2015