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Karomat
N. Karomat is a 63-year-old woman who has been working the land for twenty years. She is a strong physical and spiritual woman and, each day, she and her husband work diligently to make sure that they take good care of their crop.

Their biggest source of income is the fruit of their labor; they grow onions, wheat and watermelons. Karomat is proud of the quality of her crops and of her knowledge. While waiting for the best moment of production, she is requesting a loan in order to maintain her crops, holding off on the harvest until the market indicates that it is the best time to yield the biggest profits.

Karomat’s dream is to acquire more land and produce more crops in the future because the land that she loves and has been a part of her life has allowed her to move her family forward.


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: www.imon.tj

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

  • $1,388
    Average annual income
  • 174
    View loans »
    Tajikistan Loans Fundraising
  • $28,183,800
    Funds lent in using Kiva
  • 4.4
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Karomat to purchase fertilizers, including ammonium sulfate, and herbicides.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Aug 17, 2009
Listed
Aug 19, 2009
Currency Exchange Loss:
Covered
Ended:
Apr 15, 2010