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Odinamo is an active and enterprising woman, who lives in the city of Kulob. She is 55 years old. She is married and has three sons, a daughter-in-law and two grandchildren. Odinamo's family is large and friendly, and it increases every year.

One of Odinamo's sons works in the capital and has a grocery store there. Odinamo also plans to work in this type of business, but she decided to open a grocery store in her own city, Kulob. She already built premises for the store next to her home. What remains is to purchase goods and start selling. However, Odinamo does not have enough money for this, and therefore she applied for a loan. Odinamo has decided to purchase a broad assortment of food products for the loan amount.

After having opened the new business, Odinamo will provide a job not only for herself, but also for the other sons. Therefore, she needs this loan very much. Please help her!
View original language description ↓
Одинамо деятельная и предприимчивая женщина, проживающая в городе Куляб. Ей 55 лет. Она замужем, имеет троих сыновей, невестку и двух внуков. Семья Одинамо большая и дружная и год за годом расширяется. Один ее сын работает в столице и имеет там продуктовый магазин. Одинамо тоже планирует заняться данным бизнесом, но собирается открыть магазин в своем городе Куляб. Она уже построила помещение для магазина рядом с домом. Осталось закупить товар и приступить к торговле. Однако средств Одинамо не хватает для этой цели и в связи с этим она обратилась за кредитом. Одинамо на сумму кредита собирается закупить широкий ассортимент продуктов питания. Открыв новый бизнес, Одинамо обеспечит работой не только себя, но и остальных своих сыновей. Поэтому этот кредит ей очень нужен. Поддержите ее!

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 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
  • 228
    View loans »
    Tajikistan Loans Fundraising
  • $31,826,550
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,950 helped Odinamo to purchase food products in order to open a grocery store.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 16, 2013
Dec 25, 2013
Currency Exchange Loss:
May 17, 2015