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«ADB» project

Lending on «ADB» project

Loans under the «ADB» project is dedicated to finance projects of private individuals and legal entities aimed at the introduction of modern technology to facilitate adaptation to climate change in the Panj River Basin (Panj, Qumsangir, N. Khisrav, Shahrituz, Hamadoni, Farkhor, Vose, Kulob, Muminobod, Temurmalik, Dangara and Qurgan-Tube).

          The project consists of the following components:

1. Creating a more sustainable system of protection against floods and disaster risk management.

2. Forming of a sustainable irrigation system, including restoration of small irrigation infrastructure.

3. Facilitate the establishment of more sustainable drinking water supply system, including the restoration of the infrastructure of drinking water supply in highly vulnerable communities and building capacity of water users groups.

4. Organization of the micro-finance, in order to provide financial services to vulnerable groups, particularly women, and to promote climate resilience.

Within the project there will be provided consulting services on various options of efficient water management, crops resistant to climate change, the fight against new pests and diseases that arise as a result of rising temperatures and changes in water regime, as well as the restoration of soil fertility.  The impact of the project will be expressed in the improvement of the livelihoods of communities in the Panj river valley that are vulnerable to climate change and variability. Loans must be used for existing and new technologies that provide improve efficiency in use of water, energy and soil. Consumers of loans for deciding issues of the choice of technology and equipment have the opportunity of self-selection of suppliers and installers technologies. The funding mechanism on «ADB» project is developed by the Asian Development Bank. Loans of the company within the project are available to farmers, dekhkan farms, entrepreneurs and households. Loans for mixed approved and new technologies will be reviewed on adaptation criterions to climate change. Consumers of loans will be provided by technical assistance and consultation to assist in making the best decisions on lending. A mandatory condition for granting loans under the project is the targeted use. Loans within the project are available only in the agricultural sector on the following projects:

- Installation of water supply systems and water supply control (drip irrigation).

- Purchase of mineral fertilizers and seeds.

- Animal husbandry and cultivation of crops.

- Organization of gardens and greenhouses.

- The cultivation of crops requiring less consumption in irrigation.

- Improving the conditions or the construction of new storage premises, including for livestock. Loans are granted in order to diversify the income of one household. That is, if household has one source of income, it is given the opportunity to form an additional source of income.



• Improvement of living conditions.

• Decrease expenditure of energy usage.

• Improvement of water supply for the consumption.

• Implementation of security control systems.

• Effective management of land.

• Savings.

• Increase the value of the dekhkan farm.

• Efficient use of water and energy.

• High competitiveness.

• Modern technologies and equipment giving high performance.

Lending conditions:

Loans within the framework of «ADB» project are provided in national currency and have certain advantages in conditions of lending with a maturity up to 48 months.

How to apply:

Send your request by e-mail web@humo.tj and our experts contact you or please, visit the office of one our branches in the region of the project scope.

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Курс на 11.12.2017
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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;
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150-140000 СОМОНИ или 30-30000 USD


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