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S. Khanifa is a hardworking woman and, since 1993, has dedicated herself to selling a variety of vegetables in the central market of Rudaki district. Khanifa characterizes herself as happy and humble. She started her business with her savings which she had accumulated over a long period of time. She is the mother of four children that she would like to offer an education.

Her biggest dream is to arrange the wedding of her elder son for which she works hard every day. To realize this dream, Khanifa now requests $1200 for the term of 12 months. With this loan she wants to buy more goods to increase her earnings. With your collaboration she’ll be able to crystallize her dream in a short time.

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:

Additional Information

About IMON International

IMON International (IMON) is a micro-deposit organization in Tajikistan that provides entrepreneurs with access to high quality financial products and services, including business loans, agriculture loans, consumer loans and micro-leases. Aiming to alleviate poverty, the organization helps unbanked individuals establish businesses in different sectors, including manufacturing, agriculture and service. Kiva lenders’ funds will help the organization to expand its outreach to even more entrepreneurs, farmers and traders in Tajikistan.

About Tajikistan

  • $2,700
    Average annual income
  • 105
    View loans »
    Tajikistan Loans Fundraising
  • $29,896,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Khanifa to increase her range of vegetables.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 16, 2009
Apr 27, 2009
Currency Exchange Loss:
May 15, 2010