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Hard work is the key to well-being!

At all times, the women managed to make considerable progress in various fields. Perseverance and hard work are these qualities that are inherent to every woman who has achieved heights in their business.

Lyubov Yakovlevna Yakovleva, a character of our story, learned in this life to rely only on her.

Lyubov Yakovlevna was born and raised in Bohtar district in a farmer's family and from childhood she was helping her father. Lyubov Yakovlevna has never been afraid of hard work. She herself dug up vegetable patches and planted vegetable seeds, harvested and took care of the cattle. This brave woman did not wait for help from someone else, and has achieved all on her own.

Having learnt about consumer loan product, Lyubov Yakovlevovna applied to MDO "Humo". She got her first loan in the amount of 1,500 somoni to buy a new refrigerator. So her long association with "Humo" commenced. Having got the second loan of 2,500 somoni, she bought compound feed for livestock and gradually began to increase her herd of cattle.

She first spent the profits for making repairs in the house; she built a new enclosure for livestock and erected near the house a framework for vineyard.

In addition, she and her sons are farming. In her plot of land she plants vegetables: tomatoes, cucumbers, carrots and greens and sells the crops in the local market.

She has many things to do. She is both mother and wife, and mistress. To some extent Lyubov contributes significantly to the rural economy. Our heroine was able to show by example that success depends only on your own hard work and the desire to achieve it.

On out part we wish Lyubov Yakovlevna to achieve even better results, and do not stop there.

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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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