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In search of a better

In search of a better

My life has not been easy and simple. Much of what I have now, I earned myself. In my youth I did not sit at home and looks forward husband’s earning. Life was not easy, kids growing up, we could not live with only husband’s earning. I rented a small room and opened the shop 26 years ago, in which initially sold magazines and newspapers. Later I expanded the business and started selling stationery.

I have been using the services of microcredit organizations, and my business is growing with them. When in our town opened a new office of microcredit organization "Humo" I became interested in their credit terms. Like many businessmen in our town, we keep track credit conditions in different banks and organizations.
I want to say that I am not disappointed with the service and conditions of Humo. I use group loans, no collateral and complex documentation. Quickly and easily group members receive a loan and repay it in time, the main thing that the group is responsible people.

With Humo credits I was able to open an additional outlet at the annual fair and buy a big fridge for drinks and ice cream in hot weather.
At the third year of collaborating with Humo my cooperation pays off, my husband and my daughter working in the store, I sent my son to work in Russia. Everyone is busy with business, and we provide all of our hopes and dreams.

Pochoeva Savruhon - a resident of Isfara.

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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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