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Individual loans

      Individual lending program is primarily intended for members of credit groups, whose business has outgrown the scope of group borrowings. New customers, companies that have their own business and need a credit also can be disbursed individual loans. Individual loans are based on the standard procedure, used in banks.

      When an individual loan is provided, the viability of the client’s business and his credit history are assessed. A distinctive feature of this methodology is that the customer’s movable and immovable property or jewellery acts as collateral rather than a guarantee of all members of a credit group.

        The client, who intends to borrow a loan, shall take a compulsory introductory course, where he/she receives accurate and comprehensive information on transparent lending operations. Such induction is free of charge and is an important component of the lending process of MDO "Humo".

MDO "Humo" provides the following individual loans:

 

Livestock Loans

      Livestock loans help borrowers with capital for livestock breeding with accompanying veterinary services. Loan is disbursed for such animals as goats, sheep, poultry, cows and rabbits.

Collateral: movable/immovable property.

Amount: ranges from $100 to $30 000.

Loan term: 3-24 months.

Loan conditions:

  • Individuals over 20 years old and legal entities
  • Experience in this field for over 6 months
  • Business compliance with tajik law
  • No third party liability.
  • The presence of collateral.

Required documents:

  • Loan Application
  • Passport of the Republic of Tajikistan, confirming the place of residence
  • Taxpayer Individual Number (TIN)
  • State Registration Certificate of individual entrepreneur, license and/or patent

Business Loans

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

Collateral: movable/immovable property.
Amount: ranges from 100 to 50 000 US dollars.
Loan term: 3-36 months.

Lending conditions:                            

  • Individuals of age above 20 years and legal entities.
  • Experience in this field for over 6 months.
  • Compliance of the business with the laws of the Republic of Tajikistan.
  • Lack of liabilities to the third parties.
  • The presence of collateral.

Required records:

  • Loan application
  • Passport of the Republic of Tajikistan, confirming the
  • TIN
  • State Registration Certificate of individual entrepreneur, license and/or patent.

Planting Loans

This type of lending allows borrowers to use the capital for the cultivation of crops, purchase of seeds, fertilizers, pesticides and fuel

Collateral: movable/immovable property
Amount: from 100 to 50 000 US dollars
Loan term: 3-36 months.

Loan conditions:

  • Individuals aged over 20 years and legal entities
  • Experience in this field for over 6 months
  • Business compliance with the legislation of Tajikistan
  • No liability to the third party
  • Available collateral.

Required documents:

  • Loan application
  • Passport of the Republic of Tajikistan, confirming the place of residence
  • TIN
  • Certificate of state registration of individual entrepreneur, license and/or patent

Consumer Loans

This type of loans allows anyone to purchase household items, TVs, personal computers and other equipment. The funds can be disbursed also for the repair and overhaul of premises on special occasions.

Collateral: movable/immovable property.
Amount: from 100 to 4000 U.S. dollars.
Loan term: 3- 24 months.

Lending conditions:

  • Individuals aged over 20 years and legal entities.
  • Experience in this field for over 6 months.
  • Business compliance with the legislation of Tajikistan.
  • No liability to the third party.
  • Available collateral.

Required documents:

  • Loan application
  • Passport of the Republic of Tajikistan, confirming the place of residence
  • TIN
  • Certificate of state registration of individual entrepreneur, license and/or patent for entrepreneurs or reference salary for the employee of budgetary organization or commercial entity

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Курс на 21.10.2017
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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.
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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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