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M. Mirhalim is 51 years old. He has experience of 2 years preparing and selling cookies and different kinds of sweets. He began working with a friend delivering bread. With the money he saved in the activity, he decided to buy an oven and now works as an independent with his wife. The business is successful, generating stable, considerable income, allowing Mirhalim to support his family. Mirhalim wants the Kiva loan to be able to buy products and necessary equipment for the preparation of the extra cookies, because at this time he is only supplying the part of the demand. With this loan he wants to expand his business, thus to be able to supply all of his customers and also to make better condition of the business. Mirhalim would like to thank everyone for supporting him and promises to repay the loan in time. The well-being of this family is in your hands. Help them by contributing to the growth of Mirhalim’s business, and they will sincerely thank you.

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
  • 186
    View loans »
    Tajikistan Loans Fundraising
  • $30,382,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Mirhalim purchasing new equipment and making better condition of the business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 12, 2009
Aug 19, 2009
Currency Exchange Loss:
May 17, 2010