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Zebiniso G. is 34 years old. She is married and the loving mother of three wonderful kids. Her husband is an entrepreneur and doesn't earn enough for the family consumption, that is why Zebiniso has been running grocery store for the past three years. She sells fruits, sweets, preserved food, juices, soft drinks and many other items in her grocery.

The inventory she has for sale is of very good quality and selection. Zebiniso is respectful and patient with all of her customers, which attracts people and brings them back to her vending facility to buy groceries again.

Zebiniso is seeking to keep her business sustainable and has requested a loan of $3,000 to increase the inventory she has for sale. One of her dreams is that her children progress by means of their studies. We believe this current loan will enhance the potential of her business and help Zebiniso reach all of her aspirations.

More about Tajikistan and IMON International

Tajikistan is known for its rich history, which includes being a key post along the Silk Road, and for 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
  • 104
    View loans »
    Tajikistan Loans Fundraising
  • $29,921,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Zebiniso buy foodstuffs to increase stock.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 11, 2010
Jan 27, 2010
Currency Exchange Loss:
Feb 15, 2011