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Gulchira
Gulchira M. is 46 years old. She is married with children of school age. Gulchira sells fabric for sewing traditional dresses. She has been in this business for almost 20 years. She has very good taste and she is ready to advise her clients which fabric to choose for this or that occasion. That is why she has constant customers. Moreover, Gulchira’s prices for fabrics are attractive for the various levels of population as she has a wide range of goods for any taste and any wallet.

The income that she derives allows her to educate her children. She hopes that she can continue to provide for them so they will be able to receive an adequate education. Now, Gulchira needs a loan to purchase new fabrics in order to increase the range of goods for sale. She promises to pay the loan back on time without any violation, and expresses her gratitude to everyone supporting her. Your generosity can change their lives.

More about Tajikistan and IMON International:

Tajikistan is perhaps best known for its rich history, which includes a key post along the Silk Road; the end of Alexander the Great's rule; and for its famous great thinkers, philosophers, scientists, and poets such as: Rudaki, Ibn Sina (Avicenna), Firdousi, Omar Haiyam, Jomi, Mavlavi Rumi and many others. The country is home to communities that still speak the ancient Sogdian language, epic mountain passes, and a civilization that dates back to the 4th millennium BC. And, even today, it is a complex mixture of the Islamic faith, Soviet culture, New Western culture and Central Asian traditions. But, Tajikistan is also the poorest of the former Soviet republics. The civil war, which ignited soon after its independence from the U.S.S.R., further damaged the already weak economy. In addition, 93% of the country is mountainous and only 7% of the land is arable. These conditions have resulted in high levels of unemployment and have forced hundreds of thousands to seek work in other countries, mainly Russia. While the people of Tajikistan are working to improve its agricultural production and manufacturing sector, nearly two-thirds of the population still live in abject poverty.

IMON's History
Since December 2007, IMON International has worked closely with Kiva and Kiva lenders to ensure that poor and low income clients represent a viable business proposition. Funds raised through Kiva have already been distributed to thousands of IMON International's clients and will continue to provide thousands more with permanent access to the varied financial services they need. To learn more about IMON International's work, please visit: www.imon.tj

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
  • 165
    View loans »
    Tajikistan Loans Fundraising
  • $29,362,000
    Funds lent in using Kiva
  • 3.5
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Gulchira to purchase new fabrics in order to increase the range of goods for sale.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 19, 2009
Listed
Jan 26, 2009
Currency Exchange Loss:
Covered
Ended:
Nov 15, 2009