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Diligence is the key to well-being

Diligence is the key to well-being

The proverb says "No pains, no gains" and, in fact, reflects life history of our character Nosir Hochakeldiev. There are 7 people in the family of respected Nosir- aka. In his age of 66, he and his eldest son are the main breadwinners, and other family members are their dependents. 

Nosir- aka and his son are engaged in animal husbandry for more than 5 years. Purchasing calves they fatten them for some time and then take to the sale. In their early days, they were able to buy only two calves, and due to the return supported their family. Over time, the needs of the family went up, forcing them to seek additional income. Without a second thought Nosir aka decided to take money on credit to expand his business. He asked for a loan to the company Humo, applied for a loan and bought two cows and two calves. So, he increased the number of livestock and in parallel started selling milk. Due to the proceeds from the sale of milk, he repaid the loan. The resulting experience has given him the opportunity to deliberately use the credits and become a regular customer of the company.

When asked how he evaluates his partnership with Humo, Nosir- aka replied: "My partnership with Humo has been going on for several years. During this time in my life there have been many changes. I bought a passenger car, renovated a house, married my children and, most importantly, I learned how to effectively use the credits in favor of my business. In the future I plan to expand farming and raise the number of livestock. Despite the advanced age, I have faith in myself and hope that with the support of Humo I would be able to realize my plans".

Nosir Hochakeldiev, resident of J. Rumi district, jamoat Frunze, village Rohi Lenin.

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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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