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A. Suraiyo is 38 years old. She is married and uses all the money she makes to care for her two children and to provide for their education. Suraiyo has 14 years of experience selling dried fruits. She 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, Suraiyo requests a loan of 3000 Somoni for purchasing dried fruits. Her purpose is to processing the fruits in order to increase the range of goods to be sold. Suraiyo expresses her gratitude for everyone supporting her and promises to repay her loan in a timely manner.

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 BC. 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
  • 111
    View loans »
    Tajikistan Loans Fundraising
  • $29,890,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Suraiyo to purchase additional inventory of dried fruits to process.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 8, 2009
Jul 15, 2009
Currency Exchange Loss:
Jul 15, 2010