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Oshurmo is 53 years old. She is a widow with four children, and she is a very hard-working and cheerful woman who is always motivated. She faces difficult living conditions, as there is nothing left from her husband. She raised her children alone without any help. Her children are grown, but to this day Oshurmo takes care of them herself. She has very large expenses, as she needs to pay for her eldest child's wedding and her youngest child's education. Besides that, the everyday expenses for food, clothing, mobile phone bills, transport and utilities fall to Oshurmo.

To increase her income, Oshurmo plans to start her own business. With that goal in mind, she enrolled in the "Get Ahead" course organized by the Association of Businesswomen and received a certificate. Now she is fully capable of starting her own business and becoming successful in that sphere. She wants to start her business buying and selling livestock, as she has experience in this type of work. This loan will help her start her business. With the income from her business, Oshurmo plans on providing her children with good living conditions. She is asking for a loan of 4,000 somoni to buy livestock to start her new business. She is awaiting your kindness.
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Ошурмо 53 года. Она вдова и имеет 4 детей. Ошурмо очень трудолюбивая и жизни радостная женщина, которая всегда на мотивации. Она живет очень в трудных условиях, так как от мужа ей нечего не осталось. Она выросла своих детей одна и ей никто не помогал. Ее дети выросли, но до сих пор Ошурмо обеспечивает их сама. У нее расходы очень большие, надо женить старших, младшим надо дать образование. Кроме этого ежедневные расходы на питания, одежду, мобильный, транспорт, коммунальные расходы это все должна обеспечить Ошурмо. Для получения дохода она планирует организовать бизнес. С такой целью она обучилась в курсе «Добейся успеха» организованный Ассоциация Деловых Женщин и получила сертификат. Теперь она вполне может организовать свой бизнес и стать успешной в этой сфере. Она хочет организовать бизнес купле продажей скота, так как имеет опыт в этом виде бизнеса. Этот займ поможет ей организовать бизнес. От полученного дохода она планирует обеспечить своих детей с хорошим условием жизни. Она запрашивает займ на сумму 4000 сомони для покупки скота, 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
  • 234
    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 $850 helped Oshurmo to buy cattle to start her new business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 14, 2012
Nov 24, 2012
Currency Exchange Loss:
Dec 17, 2014