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Manzura is a hardworking, honest and very kind woman. She has three children, whom she raised and educated. For more than 25 years, Manzura has been engaged in producing flatbreads for subsequent sale. After she got married, she needed to help her husband to earn money. As we all know, the 90s were a very complex time and it was impossible to survive on her husband's small income.

In Manzura's words, that time began a streak in her life -- her husband was seriously ill. In parallel, she was working in bakery shops while nursing her husband and raising the children. After a long period of illness, Manzura's husband passed away. Manzura had to work around the clock without food and without sleep because she had debts to suppliers for flour and pressing needs. But a mother's love for her children gave her extra strength. Her work has not gone in vain; she was able to collect savings, pay off debts, and offer her two daughters in marriage.

Now the time has come to think about putting on a wedding for her son.

She is planning to expand her business and working capital, so she is requesting a loan of 12,000 somoni to buy flour for working capital. She is applying for a loan for the first time and plans to repay it with the proceeds from the bakery shop.
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Манзура трудолюбивая, честная и очень добрая женщина. У неё трое детей, которых она сама вырастила и воспитала. Манзура более 25 лет занимается изготовлением лепёшек с последующей реализацией. После того как вышла замуж она была вынуждена помогать мужу зарабатывать деньги, всем известно, что 90-е годы были для всех очень сложными, на маленький доход мужа невозможно было прожить. Со слов Манзуры в те времена для неё началась чёрная полоса в ее жизни - муж тяжело заболел. Параллельно она работала в лепешечном цехе и ухаживала за мужем, растила детей. После длительного срока болезни муж Манзуры скончался. Манзуре приходилось работать сутками недоедая и недосыпая у нее возникли долги перед поставщиками муки, острая нужда, материнская любовь к детям придавала ей дополнительные силы . Ее труды не пропали понапрасну она смогла собрать сбережения, расплатиться с долгами и выдать двоих дочерей замуж. Сейчас пришло время подумать о проведении свадебных мероприятий сына. Она планирует расширить свой бизнес и оборотный капитал, поэтому запрашивает займ в размере 12000 сомони для покупки муки для пополнения оборотного капитала. За займом обращается впервые, погашать займ планирует за счет доходов от лепешечного цеха.

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.

About Tajikistan

  • $2,700
    Average annual income
  • 182
    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 $2,525 helped Manzura to buy flour for increasing her working capital.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 6, 2013
Aug 15, 2013
Currency Exchange Loss:
Sep 17, 2015