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Update on Sadaf

Sadaf is a kind woman from the northern part of Tajikistan. She was born in 1962. She has been busy with animal husbandry for many years. She buys cattle, fattens them and then sells them in a local market with a higher price than what she paid for them. She fattens cattle in her house. Her daughter helps her with managing the business. She is the main feed keeper in her family. Her husband is a rental worker.

Sadaf began to build a new house some years ago because she had a small, old house, but she did not have enough money to finish the building. She is asking for a loan to buy building materials such as wood, bricks and cement. She awaits your support.

Previous Loan Details

Sadaf is 49 years old. She is a beautiful mother and a loving wife. She has been involved in animal husbandry since childhood because she helped her mother and father in the father's home. After marriage, she continued this type of business with her husband, who is also a hardworking and kind ... More from Sadaf'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
  • 211
    View loans »
    Tajikistan Loans Fundraising
  • $29,711,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $3,000 helped Sadaf to buy building materials such as wood, brick and cement for building a new house.
79% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 20, 2013
Dec 4, 2013
Currency Exchange Loss:
This photo was used before for a previous loan for Sadaf. It was first posted on Kiva on Aug, 2012. Learn More