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10 years of successful cooperation

10 years of successful cooperation

Nargis Ruzieva has been cooperating with Humo since 2005 and is one of the first of its clients. Branch employees still remember the young, confused and desperate woman, turned to them for support.

Nargis lost her husband and was left alone with two small children who need to be set on their feet. Now she alone had to think about their future. Difficult living conditions put a goal to Nargis - to act independently and rely only on her own.

Having little experience in trade, Nargis decided to try her hand in that area. When she came to the branch office, branch staff, after hearing her hardship story, immediately gave her support, and provided credit for the required amount. With this money Nargis rented a small room in the central market, bought goods and began selling women's shoes and children's clothing. So she started her business.

Over ten years of continuous cooperation with Humo, Nargis has significantly built up her business, improved product range, and increased turnover. She raised and adequately educated wonderful children who are happy to help mother in her work. Nargis has also helped his father and bought him a few head of cattle for breeding


"I can not imagine how my life would have happened without the support of Humo. In the most difficult moment here I lent a helping hand. Only now I do understand that the main thing is to have faith in you and look to the bright future with new plans and hopes ".

Nargis Ruzieva, resident of Shahritus city

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Our valuables

Meeting the client’s expectations. We understand the customers’ current needs and offer the best solutions to facilitate the development and growth of their businesses. High quality services, maximum responsibility, honesty and financial openness are an absolute imperative for our organization;   Social responsibility. We are aware of our responsibility in respect of the Organization's activities carried out in a socially and financially robust basis. We strive to actively participate in the development of the microfinance sector in the country in order to improve the social environment of the regions of Tajikistan;   Openness and and transparency. MDO "Humo" is an open company, being always interested in a respectful dialogue with customers, partners, media representatives and constructive interaction with public authorities;
Efficiency and effectiveness. The company has a system of incentives, both material and immaterial. This system has proven its effectiveness and as a result the employees were able to demonstrate maximum fulfilment of their potential;   Corporate culture. We strive to motivate employees in the success of the Organization and to do everything to ensure that our team is actively involved in the development of MDO "Humo ", inviting to our team talented people. We encourage and support employees in their quest for professional development, and helping them to multiply and improve their knowledge, experience and skill. We create an atmosphere of confidence enabling our employees to safely express and support the Organization’s innovative solutions. We build business relationships based on honesty and resources that make the clients trust us, which are a valuable advantage in the eyes of customers;   Team spirit. We seek to create an atmosphere of the team unity. To do this, we hold corporate and sporting events, cultural tours and make it possible for  the branches to share the best practices.

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