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T. Gulmurat is 37 years old. He is married and has three children who are studying at school. The gentleman is a vegetable producer with more than 10 years of experience. He works all day on the plantations and he is involved in the whole production process, including post-harvest tasks and selling the vegetables.

It is relevant to explain that the production of vegetables requires adequate fertilizer to generate the expected harvest. Nutrients and chemical fertilizers are needed throughout the process. Currently Gulmurat is having difficulties getting into the market with his product because he doesn't have enough organic matter to incorporate into the soil. There isn’t enough fertilizer and the soils are poor in nutrients. It is for these reasons that his harvests aren’t going well. He lacks the capital to be able to correctly prepare the plantations and thereby achieve a successful harvest. He is hoping for your generosity and is very thankful to all of you.

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 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. Today, it is a complex mixture of the Islamic faith, Soviet culture, New West culture and Central Asian traditions.

But Tajikistan is also the poorest of the former Soviet republics. The civil war that ignited soon after its independence from the U.S.S.R. further damaged its already weak economy. 93% of the country is mountainous and only 7% of the land is arable--conditions that have resulted in high levels of unemployment and 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

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
  • 184
    View loans »
    Tajikistan Loans Fundraising
  • $30,358,600
    Funds lent in using Kiva
  • 3.7
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Gulmurat purchase fertilizers to improve his harvest.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 9, 2009
Feb 17, 2009
Currency Exchange Loss:
Feb 15, 2010