A loan of $1,500 helped to purchase flour at wholesale to bake the national bread “lepeshka”.


Marifat's story

Marifat is a divorced mother of two children. For the last four years, she has had a bread bakery business. Marifat has a reputation as a goal oriented, hard-working, but pleasant merchant. Her desire is to see her children succeed and her business is one way that she is able to accomplish that goal. Marifat enjoys her work and is known to respond to economic opportunity. She has established a good credit history by diligently repaying five loans from “IMON International”. Marifat is requesting a loan for $1,500 USD, which will allow her to re-stock her inventory. She is planning to increase the assortment of bread she offers and continue to sell for affordable prices, which will attract customers and increase her sales profits.


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



Loan details


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Loan details