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Zamira is a woman with a kind soul. Though, she has had tough luck. Her husband died early, when she was still very young. They did not have any children and now Zamira is left without a husband or children. She lives with her sister, but they have very little to hope for.

A few years ago Zamira started a grocery business. However, she did not have the necessary business skills and failed to develop the business. After the grocery failed, she did not lose heart. She gathered her strength and decided to organize a new grocery business. This time she is starting with a clear business plan. She received business training from the course "Bring It On", which was organized by the Business Women's Association. She received a certificate from this course. Now she is fully capable of successfully organizing her own business.

She wants to start a grocery business again. She plans to use the new income to improve her standard of living. She is requesting a sum of 550 somoni to purchase the necessary goods to start her new grocery. She is waiting on your kindness!
View original language description ↓
Замира – женщина с прекрасной душой. У нее очень трудная судьба. Ее муж умер рано, когда Замира была совсем молодой. Когда умер ее муж, у них не было детей и вот так она осталось без мужа и без детей. Замира живет с сестрой и им не кому надеется. Несколько лет назад она начала бизнес купле продажей продуктовых товаров, но у нее не было достаточных навык о бизнесе, и поэтому она не смогла развивать бизнес. После провала в бизнесе она не подала духом и с новыми силами она решила организовать бизнес продовольственными товарами. В этот раз она начинает бизнес с определенными планами, создавая бизнес план. Она обучилась в курсе «Добейся успеха» организованный Ассоциация Деловых Женщин и получила сертификат. Теперь она вполне может организовать свой бизнес и стать успешной в этой сфере. Она хочет организовать бизнес купле продажей продовольственных товаров. От полученного дохода она планирует улучшить условия жизни. Она запрашивает займ на сумму 550 сомони для покупки товара, чтобы организовать новый бизнес. Она ждет вашу доброту.

Additional Information

More information about this loan

This loan is part of IMON International's startup loan program called Sarchashma ("spring" in the local language). Sarchashma loans are tailored to women who have feasible business ideas but lack the funds to get started. In addition to credit, these women also receive special training from the National Association of Business Women of Tajikistan to develop business plans. They also have the opportunity to participate in IMON's "Woman Entrepreneur, Get Ahead" program, a three-day intensive training course. By funding this loan, you are supporting borrowers who have limited options to start and grow small businesses. This has the potential to alleviate the effects of poverty, significantly improving borrowers' incomes and their families' quality of life. 

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
  • 112
    View loans »
    Tajikistan Loans Fundraising
  • $29,894,325
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $125 helped Zamira to buy foodstuffs for organizing new business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 21, 2012
Nov 25, 2012
Currency Exchange Loss:
Nov 18, 2013