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Muhayo is a very hardworking and ambitious woman. She is married.

She was born in rural areas, so she has experience in raising animals and crop cultivation. Living conditions for them were very heavy. She herded cattle at a very early age. After school, she worked in the fields to earn money. After her marriage, she again worked in the fields. Her husband left for Russia and worked there for two years.

In general, Muhayo grows wheat, corn, peas, and other agricultural products. For more than five months, she has been in this business on her own. Her husband helps her in doing the business. She plans to start a new livestock herding business and therefore went to training "Bring It On" organized by the Association of Business Women and received a certificate.

She is asking for a loan of 5,000 Somoni to buy livestock. Muhayo wants to earn more income and to improve her household. She awaits your kindness.
View original language description ↓
Мухайё очень трудолюбивая и целеустремлённая женщина, она замужем. Она родилась в сельской местности, поэтому она имеет достаточный опыт по животноводству и выращивания сельхоз культуры. Условия жизни у них были очень тяжелые. Самых ранних лет она пасла скот. После занятий в школе работала на поле, чтобы заработать деньги. После замужества она опять работала на поле. Её муж уехал в Россию на заработки, и там проработал 2 года. В основном Мухайё выращивает пшеницу, кукурузу, горох и другие сельхозпродукты. Уже более 5 месяцев она самостоятельно занимается этим бизнесом. Муж помогает ей в ведении бизнеса. Она планирует организовать новый бизнес скотоводством и поэтому прошла тренинг «Добейся успеха» организованный Ассоциации Деловых Женщин и получила сертификат. Она запрашивает займ на сумму 5000 сомони для покупки скота. Мухайё хочет получить больше дохода и улучшить свое домохозяйства. Она ждет вашу доброту.

Additional Information

More information about this loan

This loan is part of IMON International's startup loan program called Sarchashma ("spring" in the local language). Sarchashma loans are tailored to women who have feasible business ideas but lack the funds to get started. In addition to credit, these women also receive special training from the National Association of Business Women of Tajikistan to develop business plans. They also have the opportunity to participate in IMON's "Woman Entrepreneur, Get Ahead" program, a three-day intensive training course. By funding this loan, you are supporting borrowers who have limited options to start and grow small businesses. This has the potential to alleviate the effects of poverty, significantly improving borrowers' incomes and their families' quality of life. 

About IMON International

IMON International (IMON) is a micro-deposit organization in Tajikistan that provides entrepreneurs with access to high quality financial products and services, including business loans, agriculture loans, consumer loans and micro-leases. Aiming to alleviate poverty, the organization helps unbanked individuals establish businesses in different sectors, including manufacturing, agriculture and service. Kiva lenders’ funds will help the organization to expand its outreach to even more entrepreneurs, farmers and traders in Tajikistan.

About Tajikistan

  • $2,700
    Average annual income
  • 235
    View loans »
    Tajikistan Loans Fundraising
  • $32,113,175
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Muhayo to buy cattle for organizing new business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 25, 2012
Oct 4, 2012
Currency Exchange Loss:
Jun 17, 2013