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S. Muzaffar is 40 years old. He is married and has three children of school age. His wife is a teacher in a secondary school.

Muzaffar manufactures national cradles. National cradles in Tajikistan are very colorful. They are made of wood. As a rule, the national cradle is presented by the grandparents when the baby is forty days old, and this event is celebrated by the entire family.

Muzaffar has been in this business for seventeen years. His wife helps him. The completed cradles are purchased from their house. The stability of the business allows a steady income which ensures that the family has the possibility of improving their living conditions.

Muzaffar has been working with IMON for four years. For the entire period of time he has shown himself as a successful client, managing his loans with accuracy and precision. Today Muzaffar requests a loan in the amount of $1500 in order to purchase more planks and paints for producing more cradles.

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
  • 213
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Muzaffar to purchase planks and paints for making cradles.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Feb 15, 2010
Feb 26, 2010
Currency Exchange Loss:
Oct 16, 2010