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Ganjinai is a young woman of 21. She is married and lives with her husband in the town of Vahdat. Her husband works as a forwarding agent in a private firm. Ganjinai herself is a homemaker and does not work anywhere. Still in her youth, Ganjinai was interested in sewing and knows well this profession. She wants to use her sewing talent and to earn a living in this way. Ganjinai wants to be independent and decided to open her own sewing business. She already knows who will be her first customers: close friends, acquaintances, relatives, and neighbors. Ganjinai has a little savings but is is not enough. Therefore, she requested a loan. Ganjinai intends to buy a modern computerized sewing machine and various fabrics for sewing. She very much hopes for support.
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Ганчинаи молодая девушка в возрасте 21 года. Она замужем и живет с мужем в городе Вахдат. Ее муж работает экспедитором в одной фирме. Сама Ганчинаи домохозяйка и нигде не работает. Еще в юности Ганчинаи интересовалась шитьем и хорошо знает эту профессию. Она хочет использовать свой талант шитья и зарабатывать этим путем. Ганчинаи хочет быть независимой и решила открыть собственное швейное дело. Она уже знает кто будет ее первыми клиентками - это близкие, друзья, родственники, соседи. Ганчинаи имеет немного сбережения, но его недостаточно. Поэтому она обратилась за кредитом. Ганчинаи собирается купить модернизированную компьютерную швейную машинку и различные ткани для шитья. Она очень надеется на поддержку.

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
  • 243
    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 $2,950 helped Ganjinai to acquire a computerized sewing machine and fabrics for sewing with the aim of opening a sewing business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 17, 2013
Dec 23, 2013
Currency Exchange Loss:
Jan 17, 2016