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Success and willingness go together!

It was early morning, full of fresh air and the sounds of raining outside. The scent of blooming flowers and murmur of the brook brought peace and tranquility.

But what shall I say? Waking up in the morning, I did not see all the beauty, as financial hardship in my family seized my entire mind. I wasn’t paid my salary for 4-5 months, so thoughts how to keep my children and my family bothered me. My husband, a craftsman, didn’t earn so much and even that small income was not stable, quite often he stayed jobless. Being deep in thought, I did not see how I got to my work, secondary school №9 of Shahrituz district, where I worked as a cleaner. Coming closer, I saw a group of my colleagues who were talking about something. As I learned later, they discussed microfinance institutions and their loan monthly interests and came to a conclusion that the best credit organization in our region is MDO "Humo". Please, keep in mind that a result of any debate always turns out to be the truth.

When I heard all that, my face lit up and my mood in a moment took a turn to better. From such a joy I could not find a place, all waiting for when working time would be over and I got home. The day was felt as a whole year, and with the advent of the evening I hurried home. Having finished all my chores, I set the table (dastarkhan) for dinner outside on a trestle bed and invited my husband to talk. Having a bowl of tea, I told him what I heard that morning from my colleagues at school. What I said to my husband delighted him even more than me. We both started sharing our views and discussed them. As a result, we arrived to the conclusion that if there is a support from "Humo", then we will deal with livestock breeding and selling. Since my husband knew much about those matters, he showed me the way of making right business decision — cattle breeding and sale of meat. He assured me that if we started our family business, soon we’d achieve good results. After such words of my husband, I gave my consent.

Early next morning my husband and I came to the branch of "Humo" in our district. Friendly staff met us and after finding out the purpose of out visit gave all the necessary information. Their consultation helped us within 3 days prepare all documentation for a loan in amount of 3,000 US dollars and took it at low interest rate. After receiving the loan, we had to look forward to the weekend. So, on Sunday morning, my husband went to the market and bought there 10 small calves and one cow. We placed the animals in a special pen, prepared in advance, and spent the remaining money for purchase of fodder. So, our business started.  Ranching and then selling cattle in the market, we were paying-off a debt and fully repaid the loan with no delay. Step-by-step, our business has expanded and flourished. Due to revenue, we have renovated and equipped the house and now live in prosperity. We have achieved all this thanks to financial support of "Humo", which in difficult times lent us a helping hand. Over the last 5—6 years, we cooperate with MDO "Humo" and are their regular and trusted customers.

At the end of the story on my own behalf and on behalf of my family I want to thank all staff members of the organization, "Humo", who support and help people in all corners of Tajikistan. With all my heart I wish them success and prosperity, and achieving targets and making their plans come true.


Aychamol Subanova, regular customer of MDO "Humo".

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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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