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Gulbahor lives and works in Kurgantyube, Tajikistan. She is married and the loving mother of two children. Her husband is a pensioner and only she is a breadwinner in her family. Culbahor is engaged in the selling of shoes and clothes. She trades at the local market of “Barakat”.

Gulbahor has a reach of experience in this business because she has been running her clothing sale business for 19 years. Gulbahor would like to get a loan of 12,000 TJS for purchasing new clothes and shoes in order to increase her merchandise and expand her business.

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 B.C. 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
  • 106
    View loans »
    Tajikistan Loans Fundraising
  • $29,901,400
    Funds lent in using Kiva
  • 4.7
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,575 helped Gulbahor to buy new clothes and shoes for sale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 6, 2011
Jul 23, 2011
Currency Exchange Loss:
Jul 15, 2012