15 Апреля 2017

On April 15, CJSC MDO "Humo" in its branch in the metropolitan area Shohmansur held an Open Day dedicated to the City Day. Dozens of residents of Dushanbe and other regions who attended this event received answers to interesting questions, as well as got acquainted with the company's services.

Within the framework of the Open Day, the organization's specialists told about the activities of the Microcredit Deposit Organization "Humo", held free consultations on banking services: lending, opening deposit accounts, cash management services, money transfers, as well as provided free legal advice.

Everyone could go to the branch and get answers to all the questions concerning banking services and personal finances. More than 200 people attended the Open Day, among who were both regular clients "Humo", and those who have crossed the threshold of the organization for the first time.

Matlyuba Mavlonova has been cooperating with Humo for more than three years.

- I had my own retail outlet, which was only three square meters and did not allow me to sell enough goods and fabrics, and there was not much profit, "she says. - To solve this problem, I applied to the organization "Humo". After talking with her employees and getting excellent credit orientation, I soon formalized the necessary loan, which allowed me to expand the trading point and increase the range of goods. During the repayment period, I was able to fully understand the possibilities of its competent use for the development of entrepreneurship. So I became a regular client of the organization "Humo", and thanks to this organization my business is developing steadily.

Mustafo Tabarov, a resident of Vakhdat, decided to get a loan on the advice of his friend, who was also a client of the company "Humo".

- I was explained here in a fairly simple form, under what conditions I can get a loan. What I liked, the employees of "Humo" did not depart from my questions, honestly and openly telling about how I can pay off my debts, at the same time giving advice on the proper investment of a loan into my business, "says Tabarov. 

On the Open Day, the visitors were provided with advice not only by employees of CJSC MDO Humo, but also our partners: specialists of the KLIMADAPT project and insurance company BIMA shared advice. Here, the customers of the mobile operator "Beeline" were able to re-register their SIM cards.

In May, the Organization intends to hold similar Open Days in other branches. In particular, the Open Day in Dushanbe will be held May 6, in Khujand - May 13, in Istaravshan - May 20. 

The Path to Success

The company "Humo" has been operating in the microfinance market of the Republic of Tajikistan for more than 12 years and is one of the top three leading Microfinance Organizations in Tajikistan. During this short time period, the company "Humo" has passed a colossal, rapid, fruitful path of formation and development.

The starting point of the movement towards today's successes was December 2004, when the MLF "Humo" was officially registered in the Ministry of Justice of the Republic, which initiated the practical implementation of the fund's plans. Already in March 2005, MLF "Humo" received a certificate from the National Bank of Tajikistan, which gave the right to start a lending activity, namely: the issuance of microcredit to a population that does not have access to banking services.

Thanks to the competently built development strategy, the skillful management, dedication and selfless labour of "Humo" team there was managed to achieve high results in twelve years. During this period, the company passed through 2 transformations, and in November 2013 received a license from the National Bank of Tajikistan for deposit activities and other banking operations.

The main mission of "Humo" is provision of qualitative and affordable financial services to the people living in poor and remote rural areas, promotion of development of micro and small businesses for creation of new economic opportunities for the rural and urban population of the Republic of Tajikistan.

By the end of March 2017, "Humo" has 20 branches, 31 CBOs (Banking Service Center), 10 client service offices.

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