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Bibicha is a resident of the A. Jomi region. She is 59 years old. She is married to a man named Karomatullo. He is retired. Bibicha thinks that it's never to late to open her own business in selling fruits and vegetables. Bibicha is a very purposeful woman and she has found a place for her store. She is preparing to buy up fruits at the Farovan bazaar in Dushanbe and resell them at her local market.

Bibicha believes that she will be able to start her business and keep it moving forward. However, she doesn't have the means to buy her first inventory, and so she is requesting a loan with the hopes that people will help her. She needs this support.
View original language description ↓
Бибича жительница района А.Джоми. Ей 59 лет. Она замужем за Кароматулло. Кароматулло пенсионер. Бибича считает, что ни что не поздно начать и хочет открыть свой бизнес в сфере торговли фруктов и овощей. Бибича насчитанная женщина она нашла лавку для торговли. Бибича собирается закупать фрукты от рынка Фаровон города Душанбе и перепродавать на рынке родного района. Бибича верит, что она сможет начать бизнес и далее ее продвигать. Но у нее не хватает немного средств, чтобы купить первый товар, по этой причине она просит кредит, с надеждой на то, что ей помогут. Она нуждается в поддержке.

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
  • 212
    View loans »
    Tajikistan Loans Fundraising
  • $31,826,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Bibicha to buy an inventory in order to start a fruit sales business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 21, 2014
Feb 25, 2014
Currency Exchange Loss:
Sep 17, 2015