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These loans are dedicated to investments in improved climate resilience technologies to help make the Tajik private sector more resilient to climate change. Loans are for investments in both existing and pilot technologies which are available through recommended suppliers and installers and which are used to improve efficiency in water and energy use and to reduce soil erosion.

The Tajikistan Climate Resilience Financing Facility CLIMADAPT is developed by the European Bank for Reconstruction and Development (EBRD) and Climate Investment Funds (CIF).


Our CLIMADAPT loans are available for home owners; farmers and business owners/managers.

CLIMADAPT loans are only available for the purchase and installation of technologies and equipment approved and assessed by the CLIMADAPT team.  A growing list of pre-approved and developing technologies is available for you to choose the best solution for your needs, and a list of recommended suppliers and installers.

Loans for combined approved and developing technologies will be subject to a Climate Resilience Assessment.

Technical assistance and independent advice is available to you free of charge to help you invest in quality technologies and optimum solutions.

Loans are offered for physical and legal entities.

Mandatory conditions for granting loans of «CLIMADAPT» project are: 20% energy saving and 10% water consumption saving and the reduction of soil erosion by 10%.

Projects which can be funded:
This information can be shown in a table, or as is below – the PFI can decide for their own websites.

Home Owners:
In addition to general modernization of the house or apartment our CLIMADAPT loan will cover:

•    Insulation of walls and roof
•    Replacement of windows, doors, balconies
•    Installation of thermostats on radiators
•    Replacement of boilers in heating systems
•    Replacement of light bulbs
•    Replacement of water pipes, pumps, taps etc.
•    Installation of water recycling system
•    Installation of rainwater harvesting system.


•    Installation of irrigation and irrigation monitoring systems
•    Development of new orchards and nurseries
•    Development of minimum / zero tilling technology
•    Using biomass boilers in heating systems for greenhouses and animal farms.
•    Refurbishment of water pipes, pumps, taps and distribution systems in farm buildings.
•    Installation of grey-water recycling system
•    Installation of rainwater harvesting system
•    Implementation of energy saving measures through insulation of buildings, replacing windows, doors, heating and lighting systems.


•    Modernisation of production machinery
•    Replacement of boilers in heating systems
•    Refurbishment of water pipes, pumps, taps and distribution systems
•    Installation of water recycling system
•    Installation of rainwater harvesting system
•    Implementation of energy saving measures through insulation of buildings, replacing windows, doors, heating and lighting systems.

All projects must be in compliance with all applicable national environmental, social and health and safety legislation of the Republic of Tajikistan.

Benefits of CLIMADAPT Investments:

•    Better living conditions.
•    Improved heat and comfort.
•    Improved water and energy use.
•    Reduced costs.
•    Increased property and farm value.
•    Improved water distribution with new pipes and pumps.
•    Improved health and wellbeing.
•    Improved land management.
•    Improved quality and controllability.
•    Enhanced competitiveness.
•    Modern technology and equipment resulting in higher production capacity.
•    Improved buildings through insulation, and modernised energy efficient equipment.

How to Apply:

•    Send your request by e-mail web@humo.tj so that our experts contact you.
•    Call us now to the number (44) 640 55 44 and our specialists will assist you in completing your application, selecting your technology and supplier.

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Курс на 11.12.2017
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Gulsunoy Mamatova, a resident of one of the villages of Khuroson district, like all the girls dreamed of her future, imagined a big, united family.
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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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