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Muazzam runs a small business, selling men’s shoes. She is a widow with two adult children. Muazzam has been self-employed in shoes sales for 9 years and is the sole breadwinner for her family. Muazzam is a very determined woman and she is serious about her business. These characteristics have helped her promptly repay all her loans from IMON International during her 5 years of partnership with the organization. Maintaining a reasonable pricing policy and client-friendly service have always been priorities in Muazzam's work and have ensured the success of her business. Muazzam is asking for a loan of 10,000 somoni to increase her assortment of goods. She is hoping to use the extra financial support to stock up on more merchandise. The loan will not only be beneficial for Muazzam's business, but it will also help her meet her household expenses and to set aside some savings for future needs.

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
  • 249
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • 4.5
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,225 helped Muazzam to buy shoes for selling.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 17, 2011
May 20, 2011
Currency Exchange Loss:
Jun 15, 2012