A loan of $2,700 helped purchasing new items of jewelry to enlarge the range of goods for selling.


Muhaiyo's story

A. Muhaiyo is 41 years old. She is married with two children. With the purpose to help her husband in supporting the family, Muhaiyo is running her own business. She is selling jewelry. Muhaiyo has been in this business for more than 16 years. Initially she started with the working capital in the amount of $1,000 US. Currently the turnover capital increased.


Today Muhaiyo requests $2,700 US to purchase new items of jewelry like earrings, rings, bracelets, and chains in order to enlarge the range of goods for selling. This is the eleventh loan for Muhaiyo and she promises to observe all the procedures concerning the payment of the loan as she used to do with previous loans.

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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