Shamsiya Narzulloeva

Narzulloeva Shamsiya is 43 years old and married with two children of school age. She runs a café where she provides meals of national and European cuisines. The café is located in the central local market which allows her to have many clients, the majority of whom are those making purchases in the market. The business has been generating stable incomes during the last twelve years.

Now, Shamsiya is planning to make wholesale purchases of foodstuffs like wheat, oil, potatoes, carrots, onions and oil. For this purpose she requests 4,000 Somoni. She had been provided with six loans by IMON International and has proved herself to be a reliable client. Today she thanks all supporting her and promises to repay the loan promptly.


More about Tajikistan and IMON International
Tajikistan is known for its rich history, which includes a key post along the Silk Road and the end of Alexander the Great's rule. It has also produced great thinkers, philosophers, scientists and poets, including Rudaki, Avicenna, Ferdowsi, Omar Khayyam, Jomi, and Rumi. The country is home to communities that still speak the ancient Sogdian language, epic mountain passes, and a civilization that dates back to the 4th millennium B.C. And, even today, it is a complex mixture of the Islamic faith, Soviet culture, New West culture and Central Asian traditions.

But Tajikistan is also the poorest of the former Soviet republics. The civil war, which ignited soon after its independence from the U.S.S.R., further damaged the already weak economy. In addition, 93% of the country is mountainous and only 7% of the land is arable. These conditions have resulted in high levels of unemployment and have forced hundreds of thousands to seek work in other countries, mainly Russia. While the people of Tajikistan are working to improve its agricultural production and manufacturing sector, nearly two-thirds of the population still live in abject poverty.

IMON's History
Since December 2007, IMON International has worked closely with Kiva and Kiva lenders to ensure that poor and low income clients represent a viable business proposition. Funds raised through Kiva have already been distributed to thousands of IMON International's clients and will continue to provide thousands more with permanent access to the varied financial services they need. To learn more about IMON International's work, please visit: www.imon.tj

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