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Roziya is 65 years old. She is divorced and has two adult children. Her daughter works in the Russian Federation as a labor migrant, and her son works in an automobile repair shop.

She has a very difficult life as her husband left her and married someone else, and he did not provide anything for the children. She has worked in different places and made hand-to-mouth a living. With much difficulty, she raised her children.

Her children are not able to provide for their mother and so Roziya is planning to start a business. To that end, she took the "Bring It On" course organized by the Association of Business Women and received a certificate. Now she may well start her own business and become successful in this field. She wants to organize a business making flatbreads. Flatbreads have great demand among the population and she may well develop a successful business.

With the income, she plans to provide her children with nutritious foods. She is requesting a loan of 15,000 Somoni to buy flour and coal to establish the new business. She is awaiting your kindness.
View original language description ↓
Розие 65 лет. Она разведена и имеет 2 детей. Дети совершеннолетние. Ее дочь работает в Российской Федерации трудовым мигрантом, а сын в мастерской для ремонта автомашин.
У нее очень трудная судьба, так как муж ее бросил и женился на другой, и он даже не обеспечивал детей. Она работала на разных местах и ели-ели зарабатывала на жизнь. Она очень с трудом вырастила своих детей. Данное время ее дети не в состоянии обеспечить свою мать, и поэтому Розия планирует организовать свой 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 производством лепешки. Лепешки имеют большой спрос среди населения, и она вполне может развевать свой бизнес. От полученного дохода она планирует обеспечить своих детей высококалорийными продуктами питания. Она запрашивает займ на сумму 15000 сомони для покупки муки и угля, 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
  • 215
    View loans »
    Tajikistan Loans Fundraising
  • $31,061,500
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $3,150 helped Roziya to buy flour and coal for organizing a new business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 5, 2012
Dec 10, 2012
Currency Exchange Loss:
Jan 18, 2014