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Gulbahor has been running a children’s clothes and women’s fabrics sales business for 20 years. Gulbahor sells her goods in the local market in Isfara city.

She has great business experience. She started her business selling children’s clothes, but now her business has expanded and she has added women's fabrics to her sales.

Gulbahor purchases her merchandise from Khujand city two or three times a month from her regular suppliers. She would like to a loan of 10,000 TJS to purchase new children’s clothes and women's fabrics in order to increase her working capital.

More about Tajikistan and IMON International:
Tajikistan is known for its rich history, which includes having been a key post along the Silk Road and having witnessed 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 epic mountain passes, a civilization that dates back to the 4th millennium BC, and communities that still speak the ancient Sogdian language. 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 lives 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
  • 186
    View loans »
    Tajikistan Loans Fundraising
  • $30,382,675
    Funds lent in using Kiva
  • 4.7
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,150 helped Gulbahor to buy new children’s clothes and women’s fabrics.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 6, 2011
Jul 16, 2011
Currency Exchange Loss:
Feb 16, 2012