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Gulshan is a smart, honest and hardworking woman. She is a widow and is raising her three children alone. Gulshan has been reselling jewelry for the last 12 years and has started her business with a tiny amount of money, expanding slowly. She is raising her children on her own so it is hard for her to provide for them and she always needs support. Every morning Gulshan leaves home and comes back late at night. The money which she makes is only enough for day-to-day spending and it's hard for her to save for the future. For this reason Gulshan would like to take out a loan of 5000 Somoni to purchase more jewelry in bulk and expand her business, increasing her profits and improving the living conditions for her family.
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Гулшан умная, честная и добросовестная женщина. Она вдова и сама воспитывает троих детей. Она занимается купля продажей ювелирных изделий более 12 лет. Данный бизнес она начинала с мизерной суммы денег. Гулшан одна воспитывает своих детей и ей трудно обеспечить их, и она всегда нуждается в поддержку. Каждый день рано утро она уходит из дома и вечером вернется домой. Денег, которые она зарабатывает, хватает только на ежедневные расходы и ей хотелось бы получит займ в размере 5000 Сомони для покупки нового ассортимента ювелирных изделий, чтобы расширить свой бизнес и улучшить её жилищное условие.

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
  • 213
    View loans »
    Tajikistan Loans Fundraising
  • $30,414,450
    Funds lent in using Kiva
  • 4.7
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Gulshan to purchase new jewelry inventory for her store.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 27, 2011
Aug 10, 2011
Currency Exchange Loss:
May 18, 2012