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Orifi is a 22 years old man, starting an entrepreneurial business. For two years he worked as an apprentice to a car repairman, and he has already become a good repairman himself. Orifi lives with his wife, parents and two brothers in the city of Isfara. His mother works at the central hospital as a medical doctor in the women's section. His brothers study, and his wife is a housewife.

Orifi decided to start his own business. He would like to open his own workshop and offer a car repair service. Orifi already acquired premises, but he does not have enough money to open the workshop.

Orifi requests a loan, and with the money he plans to purchase a device to diagnose cars. Thanks to the loan he will have his own business and his family's living conditions will improve. He waits for the support with hope.
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Орифи 22-летний молодой человек, начинающий свою предпринимательскую деятельность. Он два года работал учеником мастера по ремонту машины и сегодня он уже сам стал хорошим мастером. Орифи живет с женой, родителями и двумя братьями в городе Исфара. Его мать работает в центральной больнице врачом женского отделения. Братья учатся, а жена домохозяйка. Орифи собирается начать собственное дело. Он хочет открыть свою мастерскую и предоставлять услуги по ремонту машины. Орифи уже приобрел помещение. Но для открытия мастерской ему не хватает собсвтенных средств. Орифи просит кредит, на сумму которого он планирует купить аппарат диагностики машины. Благодаря кредиту у него будет собственное дело и условия жизни семьи улучшатся. Он с надеждой ждет поддержки.

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
  • 202
    View loans »
    Tajikistan Loans Fundraising
  • $32,085,025
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD
A loan of $2,950 helped Orifi to purchase a device for diagnosing cars.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 18, 2013
Dec 25, 2013
Currency Exchange Loss:
Feb 23, 2014