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Sanovbar is a married woman and is 38 years old. She and her family live in J. Rumy. Sanovbar wants to open her own business - she intends to take out a loan and to start raising sheep. A large portion of the population of Tajikistan has, since ancient times, engaged in agricultural activities. Because 93% of the state is covered in mountains, and because businesses are located only on the plains, animal husbandry and farming continue to be popular in Tajikistan. To this day, agriculture remains the major source of income for people living in the mountains. Sanovbar, using the climate of her native land, wants to start and to continue to engage in such pursuits. The climate and nature of Tajikistan promote the healthy growth of plants and animals. Sanovbar hopes that, with help, she can begin these activities, and that she can help her husband provide for their family.
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Сановбар замужняя женщина в возрасте 38 лет. Она с семьей живет на районе Дж.Руми. Сановбар хочет открыть свой бизнес. Она намерена получить кредит и начать выращивать мелких скотов.
Большая часть населения Таджикистана с давних времен занималась сельскохозяйственными деятельностями. Скотоводства и земледелия посей день остается популярным в Таджикистане. Потому что 93% государство занимает горы и предприятия и компании находятся только на равнинах. Основным источником дохода для жителей горных земель посей день остается сельскохозяйственными.
Сановбар пользуясь климатом родных мест, хочет начать и продолжить заниматься данной деятельностью. Климат и природа Таджикистана вполне способствует здоровому росту животных и растений. Сановбар надеется, что ей помогут начать деятельность и она сможет помочь мужу обеспечить семью.

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
  • 205
    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 $2,100 helped Sanovbar to start an animal husbandry business and to purchase a lamb.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Feb 28, 2014
Mar 2, 2014
Currency Exchange Loss:
Dec 17, 2015