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Zulfiya is a very successful woman in her village. She is respected and known as a fair and purposeful woman. She is 41 years old. She is divorced and is raising three children. In her personal life she is not lucky, as her husband left her with three children, and does not even provide them with the necessary resources for living. It is difficult for Zulfiya to provide for the children. However her parents help her, even if she does not want help.

In order to improve their living conditions, Zulfiya decided to set up her own business for the good of the family. With this aim she attended the course "Bring It On", organized by the Association of Business Women and she received a certificate. Now she may organize her business and become successful in this area.

Zulfiya would like to set up a business of growing agricultural crops, as she has experience in this type of business. From the income received she plans to provide her children with a good education and proper food. She requests a loan in the amount of 1,500 somoni for the purchase of mineral fertilizers and seeds, in order to set up the new business. She awaits your kindness.
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Зулфия очень успешная женщина в своем селе. Ее все уважают и знают как добросовестную и целеустремленную женщину. Ей 41 года. Она разведена и на воспитании имеет 3 детей. Личная жизнь у нее не удачная, так как ее муж бросил ее с 3 детьми и даже не обеспечивает их нужными для проживания средствами. Зулфия очень трудно справляется с обеспечением детей. Хотя родители ей помогают, однако на помощь ей не прожить. С целью улучшения условия жизни Зулфия решила организовать свой бизнес для благо получения семьи. С такой целью 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 выращиванием сельхоз культуры, так как имеет опыт в этом виде бизнеса. От полученного дохода она планирует обеспечить своих детей с хорошим образованием и высококалорийными продуктами питания. Она запрашивает займ на сумму 1500 сомони для покупки минеральных удобрений и семена, 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
  • 267
    View loans »
    Tajikistan Loans Fundraising
  • $30,431,075
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Zulfiya to purchase seeds and mineral fertilizers for setting up a new business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 26, 2012
Nov 27, 2012
Currency Exchange Loss:
Feb 20, 2015