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The General Director's Message

Dear friends,

       I am pleased to welcome you all to our website. Our company was established in 2004 to carry out a special mission - to provide access to financial resources to the rural population of Tajikistan, in particular, women.

To date, our company is one of the leaders and progressive and dynamic players in the microfinance sector of Tajikistan. Over 75% of our active portfolio is placed in rural areas of Tajikistan and 45% of the total number of clients is women. The model of our success includes our staff, our clients, society and the environment around us.  In taking actions to help grow the business, promote further economic recovery of our country, and to strengthen local communities, we are demonstrating our vital social role. With no doubt, our employees make a valuable part of our vision and our success. The company creates incentives for professional growth of its employees, their promotion and encourages high ethical standards of behaviour not only in business management, but also outside of our office. Our top priority has always been people, our clients and prospective clients, regardless of their gender, ethnicity, education and place of residence. The company focuses on building long-term partnerships with clients based on mutual trust, understanding and respect. We develop and offer credit products, which are necessary and suitable for different purposes: purchase of farm machinery, planting crops, the development of micro and small businesses, and women entrepreneurship, starting a new business, education for children and many other things. Despite the fact that micro-lending is just one of the financial instruments, it provides a real opportunity for people to "stand on their own feet", create their own jobs, and just feed themselves and their families. Micro-credit, in due time, was a real breakthrough in the field of lending. And in combination with good interest rates and flexible loan repayment schedules, this is the tool that today can make anyone be always prepared for any situation.

In 2013, the company received a deposit license, purchased a new banking information system and changed an organizational and legal status and name of the company: it has been transformed from Micro Credit Organization "Humo & Partners" in Microcredit Deposit Organization "HUMO". Now we can expand our services and offer our clients, along with traditional credit products, opening of deposit and savings accounts, money transfer services and lending in foreign currency.

We continue to grow, searching new trends and offering new projects. We will be happy if you join us.

I'm always ready for dialogue, and you can contact me by mail: office@humo.tj

Yours faithfully,

Our partners

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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