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Khonzoda is an older woman of 55. She is a very active and enterprising woman. She has decided to open a shop. She is interested in buying and selling women's clothing. Khonzoda already has a stall in her local market in Qurgan-Tube. She is taking out a $2,000 loan, since she doesn't have enough savings. Khonzoda plans to buy goods wholesale from the market in Dushanbe and resell at a retail in her shop in Qurgan. Khonzoda's new business will help her children. She is determined to succeed.
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Хонзода немолодая 55-летняя женщина. Она очень деятельная и предприимчивая женщина. Сейчас она решила открыть свой торговый бизнес. Она заинтересована в купле и продаже женской одежды. Хонзода уже приобрела помещение на рынке своего района Кургантюбе. Она берет кредит в размере 2000 долларов США, так как собственного сбережения не хватает. Хонзода планирует оптом привозить товар с рынка города Душанбе и продавать по розничной цене в своей торговой точке в районе Кургантюбе. Хонзоде в новом бизнесе будут помогать сыновья. Она решительно настроена на успех.

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
  • 215
    View loans »
    Tajikistan Loans Fundraising
  • $32,074,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Khonzoda buy seasonal women's clothing to start a business.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Dec 30, 2013
Dec 31, 2013
Currency Exchange Loss:
Dec 17, 2014