A loan of $600 helped purchase cattle to expand the business and improve the family's living conditions.


Isfandiyor's story

S. Isfandiyor, 24, is married and has a small child. He is the sole breadwinner for his family, which also includes his parents. His only income comes from cultivation and sale of large livestock at the local market. Every year, he buys young heifers from the farms in adjacent villages. He raises them with help from his wife and children and then sells the adult cows and bulls to local butchers. Isfandiyor is thinking of expanding his business, since the income from his present herd isn't enough to provide for his family. He plans to purchase one additional young cattle and this may need an additional investment of USD 600 in his business. Hence, Isfandiyor has applied for a loan from IMON International, a partner of Kiva. More about Tajikistan and IMON International Tajikistan is known for its rich history, which includes a key post along the Silk Road and the end of Alexander the Great's rule. It has also produced great thinkers, philosophers, scientists and poets, including Rudaki, Avicenna, Ferdowsi, Omar Khayyam, Jomi, and Rumi. 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 West 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



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