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Rafoat R. is 38 years old. She is married, and she has 3 children. Her husband is unemployed at the present time, which is why she is the only one who is currently earning money to support their family. Rafoat and her husband are raising their children with love and are trying to ensure that their kids have everything they need as they grow up.
Rafoat has been running her business already for 7 years. She sells fabrics, which are supplied from Dubai, United Arabian Emirates, and Kyrgyzstan, for the national dresses. The national dresses in Tajikistan are very popular and are a very important item for the dowry of any girl. Rafoat has trading spaces in three local markets. Because she is always very polite and has good taste in clothes, she has developed a dedicated and loyal client base in each of her three sales locations.
Rafoat is trying to develop a wider range of goods to meet the ever-changing demands of her customers and to satisfy the needs of her clients who have different levels of income. Currently Rafoat is requesting a loan in the amount of $600 to be repaid over a term of 6 months to order a new stock of fabrics from Dubai. She would like to thank everybody who made the decision to support her and promises to pay the loan back within the 6-month term.

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
  • 212
    View loans »
    Tajikistan Loans Fundraising
  • $29,718,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Rafoat to diversify her product line by purchasing new fabrics to better accommodate her clients.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jun 2, 2008
May 15, 2008
Currency Exchange Loss:
Jan 15, 2009