Update on ZaragulZaragul is already in her fourth loan cycle. She is a conscientious and hardworking woman. She is 41 years old, married and has two children. For more than six years, she has bought and sold children's clothing. Zaragul sells her goods at a local market and has loyal customers. She tries to sell high quality goods. Her customers are satisfied with her clothing. She uses her income to provide for the family since she is the sole breadwinner. She plans to increase her working capital but doesn't have enough money to buy inventory. She wants to use a part of the money to make repairs to her home since it is in poor condition. She's asking for 3,000 USD. She awaits your kindness.
Previous Loan DetailsZaragul loves and cherishes her family. She is bringing up her children, who range from one to 16 years of age. For over five years, Zaragul has been reselling children's clothing and shoes. She stocks up at Korvon, one of the most popular markets in the city of Dushanbe. Lately she realized tha... More from Zaragul's previous loan »
About IMON InternationalIMON 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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Success!! The loan was 100% repaid
- Repayment Term
- 20 months (Additional Information)
- Repayment Schedule
- May 13, 2013
- May 23, 2013
- Currency Exchange Loss:
- Feb 17, 2014
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.