+992 (44) 640 55 44
Address to customers
Рус Тоҷ
Home » Services »

Group loans

    Our organization uses the world-renowned group lending scheme. The main object of this methodology is the target group consisting of 2-10 people, created by staff members or residents of villages and districts. The principle of group loans is based on group guarantee of all group members, which means the following:

  • All members of the credit group are jointly and severally liable for payment of the loan amount received individually and for the total loan amount disbursed to a credit group in whole.
  • Groups themselves choose their own group members, and this relationship helps to ensure timely credit repayment.
  • The group obtains complete and accurate information about the methodology of loan disbursement and repayment procedures through consultation of credit experts.
  • Experts of the organization provide the created credit group on-going support, conducting consultations on the basics of management, accounting and marketing.

The advantage of this methodology is that people living in rural and remote areas of the country with no sufficient collateral to access a bank credit, are able to borrow loans by creating credit groups.

MDO "Humo" provides the following types of group lending:

Livestock Loans

This type of lending helps borrowers with capital for husbandry. Loan is granted for the purchase of such animals as goats, sheep, poultry, rabbits and cows.

Collateral: group solidarity.
Amount: from 150 to 8000 TJS for each group member.
Loan term: 3-24 months.

Loan conditions for each member of the group:

  • Individuals aged over 20 years and legal entities.
  • Experience in this field for over 6 months.
  • The business compliance with legislation of Tajikistan.
  • Lack of liabilities to third parties.
  • The business must be profitable.

Group loan conditions:

  • The group of borrowers shall consist of 2-10 people.
  • Borrowers must have a valid passport of the RT.
  • The Group accepts the principles of group guarantee.

Required records:

  • Loan application
  • Passport of the Republic of Tajikistan, confirming the place of residence.
  • TIN
  • If the business is registered, the presence of a patent or license

Business Loans

Business loans enable the borrowers increasing the working capital or fixed assets. This loan can be used for the following activities: trade, production, product processing, transport and services.

Collateral: group solidarity.
Amount: ranges from 150 to 8,000 TJS for each group member.
Loan term: 3-24 months.

Credit conditions for each group member:

  • Individuals aged above 20 years and legal entities
  • Experience in the field for over 6 months
  • Compliance of the business with Tajik legislation
  • Lack of liabilities to third parties
  • Mandatory business profitability

Group loan conditions:

  • The number of borrowers groups shall be 2-10 people.
  • Borrowers must have a valid passport of the Republic of Tajikistan.
  • The Group shall accept the group guarantee principles.

Required documents:

  • Loan application
  • Passport of the Republic of Tajikistan, confirming the place of residence
  • TIN
  • If the business is registered, the presence of a patent or license

Agricultural loan

It allows borrowers to use the capital for planting, purchase of seeds, fertilizers, pesticides and fuel.

Collateral: group solidarity.
Amount: ranges from 150 to 8,000 TJS for each group member
Loan term: 3-24 months.

Loan conditions for each group member:

  • Individuals over 20 years old and legal entities
  • Experience in this field beyond 6 months
  • Compliance of the business with legislation of RT  
  • Lack of liabilities to third parties
  • The business must be profitable

Group loan conditions:

  • The number of the group borrowers shall be from 2 to 10 people.
  • Borrowers must have a valid passport of the Republic of Tajikistan.
  • The Group shall accept the group guarantee principles

Required documents:

  • Loan application
  • Passport of the Republic of Tajikistan, confirming the domicile
  • TIN
  • If the business is registered, a patent or license must be available
National bank
Курс на 26.06.2017
Currency converter
History
"Thank you for confidence"
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.
Loan calculator


Type of loan:

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.

Сomplaints and suggestions:

Fill in the form below and click "Send"
Name*
E-mail*
Phone*
City / Region*
Your complaint or suggestion:
Enter this code:
Код проверки

×

Order callback

Name*
Phone*
Comment
Enter this code:
Код проверки

×
×

Заявка на займ(EN)

ФИО*
Дата рождения*
Номер телефона*

Введите номер телефона по которому с вами можно связаться

Цель кредита*
Срок кредита*

от 3 до 36 месяцев

Валюта*
Сумма*

150-140000 СОМОНИ или 30-30000 USD

Город*

Выберите ближайший город от места Вашего проживания

Район*

Введите Район, Джамоат, с/х, Вашего проживания

Откуда вы узнали о нас*
Комментарий
Введите этот код:
Код проверки