A loan of $1,975 helped to purchase seeds, fertilizer and cattle in order to expand his business.


Shermat's story

H. Shermat is a hard-working man who is in agriculture. He has worked at this business for a long time and acquired his abilities in ranching and farming when he was very young. He is a married father with responsibilities for supporting his three children. Shermat is known as being very responsible and hard-working since, every day, very early in the morning, he starts his job taking care of his fields while at the same time raising cattle in his own pen located at his house. IMON International has been the backbone of Shermat’s business because of having granted loans which have allowed him to improve his standard of living through the acquisition of cattle and vegetables for planting. Today, once again, Shermat trusts that his credit will be approved so that he will be able to improve his business with the purchase of cattle and also farm supplies. 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 B.C. 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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