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Work holds joy!

Working in sales is a unique experience. In the world of business people who have achieved excellence in trade deserve praise. Zafar Vahidov started his business 7 years ago selling children's and women's shoes in the market, and quite succeeded. However, there are no ups if there are no downs. Lack of footwear for the spring season and “floating funds” made Zafar think to take a loan for the purchase of the next lot of shoes.

"In the area of retail trade I have been working for a long time and learned a lot: planning purchases, tracking sales, correct placement of this type of goods on the shelves and advising customers. However, our work poses some certain risks. Footwear is always needed, but swift fashion constantly urges on consumers to buy new pairs of winter, summer, autumn and home footwear in all seasons.

 Over a year ago I realized that I needed a loan to expand my business. Having looked at the loan terms offered by microcredit organizations, I came to the company "Humo" and in all that time I never doubted my choice. The first loan I got amounted to 5,300 TJS. It was then that I knew about the loan product "Lombard" allowing raising a credit for 2-3 hours if gold serves as collateral.

So, after collecting all the necessary documents and pledging gold, I received a loan of 5,090 TJS for 12 months. Thanks to Ltd MDO "Humo" I was able to purchase a batch of shoes, opened the second point of sale, and also bought a car "Opel Zephyr".

When you are supported by such companies as "Humo", you may not be scared any change and challenge. Overcoming problems on their way, you become stronger. When everything works, it brings a real joy. And for all this, I am very thankful to "Humo".

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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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