Client Story: Dreams Can Come True
Kuchkarov Gulom is a native resident of Dushanbe. For a long time, he has been working in the retail sector and had a small grocery shop in the Rudaki neighborhood, not far away from his home. Gulom dreamed about increasing the variety of products in his little shop, but lacked the means to accomplish it. He went to banks for help, but they had high interest rates. And his friends and acquaintances were not able to lend him money either.
One day, he mentioned his dreams to a friend. The friend recommended to try a micro-lending institution, which specialized in clients like himself. That's how Gulom learned about "HUMO and Partners".
He got approved for his first loan of $2,000 in December 2007. Using those funds, along with his own small savings, he was able to fill the shelves of his store with a wide variety of new goods and products.
Shortly thereafter, the number of customers began to increase. Many of them enjoyed the convenience of one-stop shopping where they could buy all of their necessities - from matches to chocolate. Gulom was very satisfied with the outcome and started to plan a further expansion.
He made all of his loan repayments on time, which allowed him to obtain a parallel loan of $3,000 from "HUMO and Partners" just five months later.
By November 2008, just after a year, Gulom fully payed off both of his loans without any delays or violations. So, when he requested a new loan of $6,000, given his good reputation and history, the credit committee approved his request. Using these funds, he acquired another retail shop on the "Mayakovski" bazaar, purchased the necessary equipment and filled it with products.
Today, Kuchakarov Gulom has 3 retail stores, which provide him with a good income. Throughout all of this, Gulom has been making his payments responsibly without any arrears. It's no wonder that Gulom is now one of the best clients of "Humo and Partners", which makes him and the organization very proud.
As he likes to say: "Dreams can come true! I caught the Humo bird by its tail and will not set it free".
Kuchkarov Gulom, Dushanbe
