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Boldly Forward with HUMO

     Otadzhonov Jumaboy, resident of a small town Kanibadam in Sughd region, in the past worked for more than 35 years as chef at a local catering . After the closure of the facility he was unemployed for a long time. Since Jumaboy had experience raising cattle and had conditions for this, he wanted to be engaged in profit-making business – breeding and selling cattle. Desire did not coincide with the possibilities. He had no money to purchase cattle; the family subsisted through the sale of milk of just one cow.
He came to the organization Humo, acquainted with all the terms of lending and completed the formalities fora loan of 9,500 Somoni (1,979 U.S. dollars ) for a term of 12 months. For this sum, he purchased two calves, fattened and sold them at a better price. He repaidthe loan on time and spent the profits on his daughter's wedding. He loved this method of business promotion and soon he raised the second loan and purchased three more calves.
     Jumaboy now is on the second cycle of lending. He has a good income; economic condition of the family has significantly improved. In the near future, he plans to build a house and celebrate his son's wedding.

"I am very pleased that luck smiled at me, I accidentally found out about the credit organization "Humo" and became their regular customer. Having appraised the quality of provided services and reasonable loan interests, I intend to continue to cooperate with "Humo". I recommend to all my friends to apply for loan exactly in this company".

Otadzhonov Jumaboy, resident of the town Kanibadam, Sughd region.

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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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