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K. Murod is a 49-year-old married man and the loving father of four children. For 13 years Murod has had a small shop near his house where he sells all kinds of household and foodstuff items. His children (one of them is pictured) help him with the business. He dreams that his children will enter higher education, and that is why he is working hard, together with his wife who always assists him in everything. Murod's business is successful in bringing considerable income to the family. Today Murod wants to expand his business and to increase his working capital for purchasing new goods to sell. With this purpose he is requesting a loan of 10,000 TJS. Murod has had loans from Kiva partner IMON several times already and has demonstrated that he is a reliable client. Murod promises to manage this loan reliably as well.

More about Tajikistan
Tajikistan, a key post on the Silk Road, is perhaps best known for its rich history. It was the location for the end of Alexander the Great's rule, and is known for its great thinkers, philosophers, scientists and poets such as Rudaki, Ibn Sina (Avicenna), Firdousi, Omar Haiyam, Jomi, Mavlavi Rumi and many others. The country, with its epic mountain passes, is home to communities that still speak the ancient Sogdian language and a civilization that dates back to the fourth millennium BC. Even today, it is a complex mix of the Islamic faith, Soviet culture, New West culture and Central Asian traditions.

However, Tajikistan is also the poorest of the former Soviet republics. The civil war, which ignited soon after its independence from the USSR, damaged the already weak economy. In addition, 93 per cent of the country is mountainous and only 7 per cent of the land is arable. These conditions have resulted in high levels of unemployment and have forced hundreds of thousands of people 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.

More about IMON International
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
  • 106
    View loans »
    Tajikistan Loans Fundraising
  • $29,901,400
    Funds lent in using Kiva
  • 4.4
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,275 helped Murod to increase his working capital for purchasing goods to sell.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jun 15, 2009
Jun 21, 2009
Currency Exchange Loss:
Oct 15, 2009