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Shahodat, at 66 years old, is an elderly resident of Spitamen. She worked for many years as a middle school teacher. In her village she is respected by all for her wisdom and prudence. She always provides anyone who turns to her for assistance with her sage advice. Now, in her later years, Shahodat has decided to provide for herself by working. She is interested in raising and selling cattle. She will not have trouble with feed because her family rents a plot of land, on which they grow grain and corn. Shahodat already has a barn and feed for cattle (hay, straw, and corn), which will serve as starting capital. She is asking for a loan of 2000 American dollars in order to purchase three head of cattle of a good breed. Shahodat believes that her age will not interfere, and that she will be given a chance to prove herself in this new venture.
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Шаходат пожилая жительница района Спитамен, ей 66 лет. Многие годы она работала учительницей в средней школе. В селе все ее уважают за мудрость и справедливость. Она всегда поддержит любого обратившегося к ней за помощью своими мудрыми советами.
Сейчас Шаходат решила на старости лет обеспечить себя работой. Ее интересует бизнес по откорму и продаже скота. Проблем с кормом у нее не будет, так как ее семья арендует земельный участок, где каждый год сажают зерновые культуры и кукурузу. В качестве начального капитала Шаходат сейчас имеет коровник и корм для скота (сено, солому, кукурузник). Она запрашивает в кредит 2000 долларов США, чтобы приобрести трех голов крупнорогатого скота хорошей породы. Шаходат верит, что ее возраст не будет помехой и ей дадут шанс показать себя в новом деле.

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
  • 212
    View loans »
    Tajikistan Loans Fundraising
  • $32,092,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Shahodat to purchase three head of cattle of a good breed to start a business in animal husbandry.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Feb 27, 2014
Mar 2, 2014
Currency Exchange Loss:
Mar 17, 2016