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The Farmer’s Story…

In Tajikistan Shahritus is famous not only for the well-known tourist attraction "Chilu chor Chashma", but also for its fertile land.

“My name is Tulkin Botirov. I am the resident of this beautiful site and I am farming for over 25 years. It so happened that after graduating from secondary school I could not go to University and had to go to serve in the army, after which I returned to my home place and spent some time repairing vehicles, but then, after 1992, when the country was going through hard times I had to do farming, to somehow feed my family. I took over farm work experience from my father, who turned me over the land entitlement by right of succession.


Engaged in farming, I started yearly expanding the arable land that made me think about the purchase of agricultural machinery, fuel & lubricants and fertilizers. All the required inputs needed additional funding.

In 2015, on the advice of my friends and acquaintances, I decided to contact the organization "Humo". When I first visited the branch of the organization, the friendly staff drew my attention to the agricultural credit program which conditions, taking into account a grace repayment period of the loan were fully acceptable and beneficial to me.

I was pleasantly surprised by high quality service and the efficiency my loan application was reviewed with. A staff member of the branch, who served me, went to the plot, looked at the fields, farm machinery and helped draw up a package of documents necessary for my loan application filing.

With a high sense of gratitude to "Humo" I want to express my appreciation to the organization for the timely financial support, which has a positive impact on my work. This year, during the spring field work I, using the favorable lending conditions of the organization, successfully cultivated and sowed the land, acquired the necessary fertilizers that give me confidence in getting the desired crop yield.

Given the benefits and well-established partnerships, I am determined to continue my cooperation with "Humo" and in the near future I plan to arrange another loan for further development of my business”.

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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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