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Difficult conditions in life force a person to focus all their strength and motivation to making the most of existing resources. Tozagul is just such a person. She tries to improve her quality of life and to stimulate the economic growth of her family. She is married and raised 2 children, Josef and Oisha, who are now adults. Her husband works as a farmer and receives very little compensation. His income is not enough to provide the family with all necessities. Tozagul decided to help her husband for her family's sake. With this goal, she took the course "To Get Ahead" offered by the Association of Business Women and received a certificate of completion. Now, she is able to organize her own business and become successful. She wants to start a garden where she will grow potatoes, onions and carrots since she has experience doing so. With the income she'll receive, she plans to improve her living conditions. She is asking for a loan of $1475 to buy fertilizers which will help her start. She awaits your kindness.
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Трудное условие жизни заставляет человека направлять все свои усилия и мотивировать существующие ресурсы. Тозагул является одним из таких личностей, которая старается улучшить условия жизни и стимулировать экономическое состояние семьи. Она замужем и на воспитании имеет 2 детей. Ее дети Юсуф и Оиша совершеннолетние. Ее муж работает в фермерском хозяйстве, и получает маленькую зарплату. Это зарплата не хватает для обеспечения семьи со всеми необходимыми средствами. Тозагул решила помочь мужу 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 культур как картошка, лук и морковь, так как имеет опыт в этом виде бизнеса. От полученного дохода она планирует улучшить условию проживания. Она запрашивает займ на сумму 1475 долларов США 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
  • 114
    View loans »
    Tajikistan Loans Fundraising
  • $29,882,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,475 helped Tozagul to buy mineral fertilizers, seeds for organizing new business.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Mar 20, 2013
Mar 30, 2013
Currency Exchange Loss:
Jan 18, 2014