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Viloyatmo, divorced with no children and living with her parents, has a business selling clothing in the small market of Shahrituz. Her business is going well as demand has been very stable over the last eight years. An entrepreneur of high integrity, Viloyatmo is very hardworking and energetic. Even when her competitors have similar products or lower prices, clients naturally gravitate to her because she makes them feel valued, respected and heard.

Viloyatmo is now requesting a loan of 6500 Somoni to purchase seasonal clothing which will help her to continue stabilizing her business and income so that she can support herself and her family.

More about Tajikistan and IMON International

Tajikistan is known for its rich history, which includes its role as 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. 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
  • 248
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • 4.4
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Viloyatmo to purchase new clothing for the summer season.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jul 14, 2010
Jul 23, 2010
Currency Exchange Loss:
Mar 17, 2011