Furuz 3
Invest in farmer Ikromov so he can purchase a small tractor for plowing, sowing, and harvesting grain. This alleviates the physically demanding work and increases grain production, contributing to food security in Tajikistan.
€150,000
5.50%
24 måneder
6 måneder
EUR
ValutaBeløb | €150,000 |
Interesse | 5.50% |
Modenhed | 24 måneder |
Tilbagebetalinger | 6 måneder |
Valuta | EUR |
Projektet
Please note: 1st principal repayment after 12 months instead of 6 months. However, the interest payments start after 6 months.
Every day, from sunrise to sunset, Ikromov works on the farm that has been in his family for generations. His children will continue this tradition. Thanks to a loan from microfinance institution Furuz, Ikromov can now buy a small tractor. This alleviates the heavy work but also increases food production on the farm, providing a solid foundation for the next generation.
Microfinance institution Furuz is committed to supporting smallholder farmers like Ikromov. With your contribution, 38 small-scale entrepreneurs in Tajikistan will gain access to financing through Furuz.
What social return could your investment make?
In Tajikistan, a critical shortage of local jobs has led many to seek employment overseas, posing significant economic and social challenges. This situation creates a pressing need for sustainable, local employment solutions to stabilise and grow the economy in Tajikistan.
Microfinance institution Furuz addresses this need by offering support to small entrepreneurs, particularly in rural areas. Their micro-loans enable these business owners, of whom 35% are women entrepreneurs, to grow their ventures and create local jobs. This focus on empowering women is crucial, as they often reinvest in their families and communities, amplifying the positive impact. Furuz's efforts demonstrate the powerful role of microfinance in stimulating economic growth and promoting gender equality in Tajikistan.
What financial return could your investment generate?
- Annual interest rate of 5,5%
- The maturity of the loan is 24 months
- Grace period: the first repayment of your investment will be made after 12 months. After that, there will be a repayment every 6 months
- With an investment of 1,000 euros, your expected repayment would be 1,083 euros
The story of Furuz
Furuz, founded in 1999, is committed to Tajikistan's sustainable development, focusing on small businesses, financial inclusion, and gender equality. Having issued over 48,000 loans totaling $43 million USD, Furuz has significantly contributed to job creation and economic growth in the region, with an aim to expand and diversify its client base continually.
Furuz in numbers
- Founded in 1999
- Furuz employs 120 staff members across its 8 branches
- 6,000 active borrowers
- 65% of the borrowers are male, and 35% are female
- Issued over 48,000 loans totaling $43 million USD
Virksomhedens navn | Furuz |
ADMINISTRERENDE DIREKTØR | Hans Joachim Jaeckle |
Grundlagt | 2005-12-22 |
Beliggenhed | Bokhtar |
Sektor | Finansielle tjenester |
Omsætning | €240,787 |
Medarbejdere | 133 |
Kreditvurdering | B+ |
Påvirkning
Tadsjikistan står over for en betydelig beskæftigelsesudfordring, idet mange af landets borgere migrerer for at få arbejde. Denne migration har stor indflydelse på landets økonomi, da de penge, der sendes hjem, udgør en stor del af Tadsjikistans BNP. Familier, der flytter til udlandet, herunder et stigende antal kvindelige arbejdere, intensiverer beskæftigelsesproblemerne i landet.
Mikrofinansieringsinstitutionen Furuz tager fat på dette ved at støtte økonomisk underbemidlede mikroentreprenører, især i landdistrikterne i det vestlige Tadsjikistan. Disse regioner er hovedsageligt afhængige af landbrug og små virksomheder, hvor beboerne ofte ikke kan få banklån på grund af uprøvede indkomster. Furuz tilbyder små lån fra 300 TJS (EUR 26) til 250.000 TJS (EUR 20.800), der er målrettet virksomheder med vækstpotentiale. Denne støtte er afgørende for jobskabelse, især i små og mellemstore virksomheder (SMV'er), som er nøglen til økonomisk vækst. Siden 2019 har Furuz hjulpet med at skabe over 6.000 jobs. De fokuserer også på ligestilling mellem kønnene, hvor kvinder udgør 35 % af deres kunder, og på at tilskynde flere kvinder til at blive økonomisk aktive.
I samarbejde med International Finance Corporation (IFC) introducerede Furuz også et boliglånsprodukt, der bruger energieffektive materialer, hvilket afspejler deres engagement i miljømæssig bæredygtighed.
Med disse initiativer tager Furuz fat på beskæftigelsesspørgsmål og fremmer inkluderende og bæredygtig økonomisk udvikling i Tadsjikistan.
VM
Med dette projekt bidrager du til følgende mål for bæredygtig udvikling:
VM 1 Ingen fattigdom
VM 5 Ligestilling mellem kønnene
VM 8 Anstændigt arbejde og økonomisk vækst
VM 10 Reduceret ulighed
VM 17 Partnerskaber for målene
Læs mere om den indflydelse, du kan få gennem vores platform og VM på vores side om indflydelse.
- Med denne investering forbedres 38 liv