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Update on Muharam

Muharam is 42 years old. She is married and raising three children. Her husband is a carpenter. Muharam is the main breadwinner in the family. For over 10 years, she has been buying and reselling women’s clothing at the local market. Muharam buys her merchandise wholesale from other regions and sells retail at the local market. Muharam manages her business by herself. She needs to buy merchandise for the summer season but lacks the funds. She is requesting a loan in the amount of 6,000 TJS to buy merchandise for the new season.

This is Muharam's 16th loan cycle. She has a good credit history. This loan will allow her to expand her selection of goods and thus increase her revenues. She is counting on your kindness.
View original language description ↓
Мухараму 42 года. Она замужем и на воспитании имеет 3 детей. Ее муж плотник. Мухарам является основной кормилицей семьи. Она более 10 лет занимается купле продажей женской одежды на местном рынке. Мухарам покупает товар с других районов оптом и продает в розницу на местном рынке. Мухарам с бизнесом справляется сама. Она должна купить товар для нового летного сезона, но не имеет денег. Она запрашивает займ на сумму 6000 сомони для покупки товара для нового сезона.
Это 16 цикл кредитования Мухарама и она имеет положительную кредитную историю. Этот займ поможет ей расширить ассортимент товара и таким образом увеличить доход. Она ждет вашу доброту.

Previous Loan Details

Muharam is 41 years old, married, and has 2 children. She owns a clothes store, which is based in the local market. Here she sells women's clothes and has a lot of customers as she renews her assortment every season. To improve business, she is borrowing the amount from Imon International org... More from Muharam's previous loan »

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.

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.

About Tajikistan

  • $2,700
    Average annual income
  • 176
    View loans »
    Tajikistan Loans Fundraising
  • $30,358,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Muharam to buy women's clothes for the summer season.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 11, 2013
Jul 27, 2013
Currency Exchange Loss:
Mar 17, 2014