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Mahfirat is 29 years old, married, and has no children. Mahfirat is a schoolteacher in a junior high school and earns a low salary. Her earnings are not sufficient to cover her living expenses, so she has decided to establish her own business to improve the living standard of her family. With this goal in mind, she took a course entitled "Get Ahead" that was organized by the Association of Businesswomen, and for which she received a certificate. Mahfirat wants to set up a business baking and selling flatbread. She plans to use the income she earns to improve her living conditions. Her husband will assist her in running the business. Mahfirat is asking for a loan of 15,000 Tajikistan Somoni to purchase flour, coal, etc., so that she can set up her business. Mahfirat is waiting for your kind assistance.
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Махфирату 29 лет. Она замужем, но не имеет детей. Махфират работает учительницей в средней школе и получает маленькую зарплату. Eе зарплата не хватает на проживания и поэтому она решила организовать собственный бизнес для благо получения семьи. С такой целью она обучилась в курсе «Добейся успеха» организованный Ассоциация Деловых Женщин и получила сертификат. Она хочет организовать бизнес изготовлением и продажей лепешек. От полученного дохода она планирует улучшить условия проживания. Ее муж будет помогать ей в ведении бизнеса. Она запрашивает займ на сумму 15000 сомони для покупки муки, угля и т.п., чтобы организовать новый бизнес. 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
  • 221
    View loans »
    Tajikistan Loans Fundraising
  • $32,074,600
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $3,150 helped Mahfirat to buy coal and flour to set up a new business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 1, 2012
Oct 10, 2012
Currency Exchange Loss:
May 22, 2014