Zulfiya Nazarova

Nazarova Zulfiya has 10 years of experience selling dried fruits. She is 43 years old and married. She uses all the money she makes to take care of her three children and provide for their education. Zulfiya always makes very productive use of her capital, adding inventory to her supply in a way that allows her to meet her customers' needs. She is also very polite and considerate and her clients are always very happy with the service they receive from her. Because her business is doing so well, she is increasing her net worth month by month. Today, Zulfiya requests 4000 somoni to purchase dried fruits for processing in order to increase the variety of her goods. Zulfiya expresses her gratitude to everyone for supporting her and promises to repay her loan in a timely manner.

More about Tajikistan and IMON International:
Tajikistan is perhaps best known for its epic mountain passes and its rich history which includes its place as a key post along the Silk Road and events at the end of Alexander the Great's rule. It has produced famous 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 and a civilization that dates back to the 4th millennium BC. 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. A civil war, which ignited soon after its independence from the U.S.S.R., further damaged an 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 productivity and the 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 viable business prospects. 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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