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Sharifa is married with four children and lives in Isfara, Tajikistan. She sells groceries — a business she started with the help of her husband 10 years ago. She has built up a good clientele. Sharifa is requesting a 8800 Somoni loan to purchase foodstuffs for her grocery store. She is hoping to see her business expand and grow consistently. Sharifa has a cheerful personality which is always a positive factor in working with customers. She is willing to work really hard to see her business flourish in the future.

More about Tajikistan and IMON International: Tajikistan is known for its rich history, which includes being a key post along the Silk Road at the end of Alexander the Great's rule. It has 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
  • 117
    View loans »
    Tajikistan Loans Fundraising
  • $29,882,225
    Funds lent in using Kiva
  • 4.4
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,025 helped Sharifa purchasing foodstuff to increase the range of goods offered.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 3, 2010
Dec 6, 2010
Currency Exchange Loss:
Oct 19, 2011