“Orzu” is a loan product that allows you to receive funds in cash at branch cash desks or online, as well as purchase goods in installments for up to 100,000 somoni

When you connect to “Orzu”, we open a credit line for you for 5 years.

This means you have access to a specific credit limit for that period. You may use it partially or fully as needed, both in the app and by withdrawing part of the funds at branch cash desks.

The Humo Credit Committee analyzes your solvency and credit history, takes into account your income level, active obligations or debts, and then sets a personal limit.

Use your credit more often and, most importantly, make your payments on time, avoiding any late payments.

As your credit history improves, you will become eligible to increase your credit limit. To do so, please visit a branch or contact the credit specialist who arranged this product for you and submit a request for a limit increase. The request is reviewed by the credit committee within one business day.