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J. Shahodat is married with two children. She launched her enterprise five years ago with the assistance of her husband. Today, she is still selling fabrics for national dresses at the famous market of her city. Shahodat has about $2,000 invested in merchandise and her net profit is about $200 each month. Her affordable pricing policy causes good turnover of her inventory and brings Shahodat high profits.

Shahodat is seeking a loan of 7,500 Somoni to increase her turnover and sales rates. Shahodat started this business when she couldn't find any other way to support herself and her family, so this venture is just like her baby, and she is very excited to see it expand and become sustainable. Shahodat is hoping to make good money in business and eventually do some repairs to her family's house.

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
  • 116
    View loans »
    Tajikistan Loans Fundraising
  • $29,861,275
    Funds lent in using Kiva
  • 4.6
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,650 helped Shahodat purchasing new fabrics in order to increase the range of goods for selling.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 6, 2010
May 13, 2010
Currency Exchange Loss:
May 19, 2011