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Gulnisso Kalandarovna Nazarova was born and raised in the beautiful town near Shahrinav district. Everyone knows her as a strong, purposeful and friendly woman and respects Gulnisso for her kindness. In her youth Gulnisso dreamed about own business, but because of the difficult financial situation of her family and her inexperience, she did not manage to open her own business. Only after marriage with the consent of her husband, Gulnisso could start own business. Life troubles were not over, after years of living together Gulnisso divorced her husband and was left alone with 4 children.

Not an easy life, constant lack of money forced Gulnisso think about the future of her children as parental duty to give children a good education and a chance for a good life was incumbent upon our heroine.

All the while Gulnisso was supported by her sister Parvina Nazarova, who at that time, being an active client of organization "Humo and Partners", gave advice to apply to this organization and to get a loan. In 2011 after the loan application analysis Gulnisso was given the first loan in the amount of 3,000 somoni, which she spent on the purchase of a new batch of children's clothing. All that time Gulnisso worked hard and her efforts were worth. She was able to give her children a good education. Due to cooperation with Humo  Gulnisso Nazarova was able to achieve a lot. She made monthly loan repayment due to one part of the sales revenue and its other portion was spent on family needs. Our heroine without outside assistance married older daughters. The two younger daughters gladly help their mother.

Gulnisso Nazarova is now at the 9th lending cycle and within this period she has never had overdue payment, i.e. she has a good credit history. According to Gulnisso, regular customer of "Humo and Partners" (now CJSC MDO "Humo"), this company has played a significant role for the development of her business. In conversation, she said that after starting cooperation with our company her life, which until was difficult and sad, began improving. During this time she was able to expand her retail outlet by 10 m2. Starting her own business from 3,000 somoni, she increased trade turnover, and now the total value of all goods is more than 20,000 somoni.

"What I liked in MDO “Humo" it was, first of all, their quality and timely service. Since my first loan and up to-date, I got a good profit that helped me to expand my business. Through seminars on "Financial Literacy", annually delivered by MDO "Humo" to its clients, I learned to correctly calculate my income and expenses. I think I will continue dealing with "Humo" because this company has already brought me luck!

 We, in turn, wish Gulnisso to achieve even better results in her business. For us, Gulinisso, you are a very important and dear customer! 

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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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