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D. Bahriniso is 47 years old and lives with her husband (pictured) and their four children. She is a woman who has been characterized as a hard worker from an early age. She is very dedicated to the agricultural work of raising sheep. Bahriniso sees this as an activity that will enable her to have additional income due to the high demand for these animals in the markets. The challenge is to improve the breed but to do so she needs to feed them properly.

Bahriniso has the best intentions for her children and this motivates her to continue improving as a mother and farmer. As a farmer, she yearns to expand her business so that she will be able to improve her family's living standards. In order to do so, Bahriniso is asking for a loan. This will allow her to buy animals of a better breed in order to improve their quality.

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, such as Rudaki, Ibn Sina (Avicenna), Firdousi, Omar Haiyam, Jomi, Mavlavi Rumi and many others. 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:

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
  • 117
    View loans »
    Tajikistan Loans Fundraising
  • $29,875,725
    Funds lent in using Kiva
  • 4.4
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Bahriniso to purchase sheep.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 10, 2009
Jul 14, 2009
Currency Exchange Loss:
Aug 15, 2010