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Update on Zulfiya

Zulfiya has graduated from Teachers College in 1996. Since 2000, she has been working as a secondary school teacher. Zulfiya has 13 years of experience as an educator. She is a successful teacher with her own specialization field. She likes her work and uses her salary to support her family. She has supplementary income from raising livestock. She is divorced and is raising her daughter on her own. After divorcing her husband, she has been living in her parents’ home. Zulfiya’s mother is retired, and her father makes some extra money by working as an electrician. Zulfiya’s daughter is about to get married; before the wedding, Zulfiya plans to renovate her house. Her house is in a bad condition. She is requesting a loan in the amount of 7,000 TJS to buy construction materials, such as cement, lumber, sand, paint, etc. She is counting on your kindness.
View original language description ↓
Зулфия в 1996 году закончила Педагогический колледж и с 2000 года она работает в средней школе учительницей. Зулфия имеет 13 летний опыт в сфере педагогики. Она является одной из успешных учителей, которая имеет свою тематику работы. Она с удовольствием работает и полученную зарплату использует для содержания семьи.Она имеет дополнительный доход от скотоводства. Она разведена и сама воспитывает свою дочь. После развода с мужем она живет в родительском доме. Мать Зулфии пенсионерка и отец подрабатывает предоставлением услуги электрика. Дочь Зулфии выходит замуж и до ее свадьбы она планирует отремонтировать свой дом. Ее дом имеет плохое состояние. Она запрашивает займ на сумму 7000 сомони для покупки строительных материалов как цемент, древесина, песок, краски и т.п. Она ждет вашу доброту.

Previous Loan Details

Zulfiya feeds cattle for the last ten years. She is raising one child. This business helps her to support her family. Feeding of the cattle gives her good income. Zulfiya is asking for a loan to buy large and small horned cattle to expand her business and receive maximum profit. She is thankful i... More from Zulfiya'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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Tajikistan

  • $2,700
    Average annual income
  • 264
    View loans »
    Tajikistan Loans Fundraising
  • $30,418,550
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,475 helped Zulfiya to buy building materials, such as cement, wood, sand and paint for house renovations.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jul 11, 2013
Jul 28, 2013
Currency Exchange Loss:
Nov 17, 2014