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Mission and Values


Providing quality, affordable financial services to people who live in poor and remote rural areas, promotion of development of micro and small businesses to provide new economic opportunities for the population of the Republic of Tajikistan.

Target group:

  • Women
  • Villagers
  • Urban residents
  • Мicro and Small Entrepreneurs


We will continue to:

  • Carry out the activity in full compliance with all regulatory and legal principles;
  • Facilitate the growth and expansion of micro, small and medium-sized businesses;
  • Promote gender balance, rural development in poor and remote regions of the country;
  • Promote the creation of new jobs.

 We want to be:

  • A leader in the micro finance sector in rural areas of RT (top 3);
  • Recognizable and stable player in urban areas (Top 5).   

We want to achieve:

  • High level of customer satisfaction by providing services based on cutting-edge technologies;
  • High professionalism and satisfaction of employees;
  • Achieving a leading position among MFIs in Tajikistan in relation to return on equity and operation performance.



  • Professionalism
  • Honesty
  • Responsibility
  • Teamwork
  • Transparency
  • Respect
  • Operativeness


Social goals:

  • Quality of service:
  • Have a satisfactory  customer retention rate
  • Offer products that meet the customer’s needs
  • Easy access to services:
  • Timely supply of financial services
  • Offer available service point at a comfortable distance from the customer’s  place of residence
  • Focus on rural population:
  • Serve the clients living in rural areas
  • Offer customized credit products to farmers in Tajikistan
  • Have a satisfactory proportion of women clients in the portfolio
  • Helping to grow and expand small and medium businesses:
  • Offer customized credit products for small and medium-sized businesses in Tajikistan
  • Offer new loans adapted to the growing needs of the client’s business
  • Service of poor and remote rural areas
  • Have a service point in the poor regions of Tajikistan
  • Pay special attention to Khatlon region
  • Offer new loans adapted to the growing needs of the customer’s business 

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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