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Humo – road to success

Humo road to success

My name is Umatkulov Shukur. I was born and grew up in the ancient city Kanibadam. With credit institution Humo I cooperate for several years. When I got married, I realized that now I bear the responsibility, I am the head of the family and should be able to feed my family. After a long fruitless search for a permanent well-paid job, I decided that it would be better to me to start my own business. On the market Farovon I rented a small outlet and began to sell fruits, which I bought at wholesale price. Of course, at the beginning I couldn’t offer a wide choice, but I did get a small profit and was able to support my family. A little later, I accidentally met with a loan officer of Humo and he explained to me how to use the credits and get more profit. Without a moment's hesitation, I took out a loan and went in Khujand to buy goods.

Having received the first loan of 1,700 TJS ($ 350), I improved the range and increased sales. I got my regular customers, and my business flourished. My positive experience gave me courage, and again I raised a credit in Humo to open a new outlet. My father began selling at the new outlet.

Cooperation with Humo changed my life. I learned how to purposefully use the credits and start own business. Financial position of my family and the family of my parents is much improved. I want to buy a vehicle for transportation of products, and I know that with the support of Humo I will be able to realize my dream and achieve great success.

 Umatkulov Shukur,  Kanibadam townsman

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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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