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Normamad is a farmer. He lives with his family, including his wife, 2 children that are school aged, and parents. His wife and elder son help him with caring for their land. In the past, they have had problems harvesting, having to sell their crop in advance with reduced earnings. Normamad has gained a lot of experience in his business and his crop is now one of the most demanded at the market. He now faces a small problem because his field is infertile, which makes it difficult to grow his crop. To solve this problem, he has decided to request a loan to buy fertilizers to support the field and make his crop more productive.

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:

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
  • 106
    View loans »
    Tajikistan Loans Fundraising
  • $29,901,400
    Funds lent in using Kiva
  • 3.7
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Normamad to purchase seed, mineral fertilizer and cattle.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 6, 2009
Mar 10, 2009
Currency Exchange Loss:
Dec 15, 2009