A loan of $2,275 helped to purchase a wider variety of fabrics and expand her marketing area.

Bakhtiniso's story

Bakhtiniso F. owns a facility in the central city market selling fabrics for sewing national women dresses. She has been in this trade for 15 years.

Her turnover capital has doubled since she started her small business. She is married with four children. She lives in Penjikent, Tajikistan.

Bakhtiniso has a perfect credit history in IMON International. She has repaid all her loans without any delinquencies. Bakhtiniso believes a loan of 10,000 TJS will help her increase her working capital and profits. She wants to purchase more variety of fabrics and expand her marketing area.

Bakhtiniso has become an entrepreneur through hard work and dedication and she believes this will help her succeed in the future.

More about Tajikistan and IMON International:
Tajikistan is known for its rich history, which includes having been a key post along the Silk Road and having witnessed 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 epic mountain passes, a civilization that dates back to the 4th millennium BC, and communities that still speak the ancient Sogdian language. 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 lives 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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Loan details