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This woman, who has gifted fingers, lives in northern Tajikistan and has a very big plan for her business. Her name is Umida and she is 24 years old, married, and she has two children. Her husband is a farmer and earns a very small income that isn't enough to provide the family with all the necessities. Since Umida is a seamstress and knows how to sew traditional women's dresses and traditional
futon-like mattresses called a "kurpacha," she decided to use her craft to help her husband with the family's well-being.

She used to not have any knowledge about business. But not long ago, a friend of hers told her about a course called "Attain Success" put on by the Associaiton for Business Women, where women learn how to write a business plan and start a business. Umida studied in the course and received a graduation certificate. Now she is fully able to start her own business and to be successful in it.

Since she has experience in making them, Umida wants to start a business in sewing "kurpacha," the traditional mattresses She plans to use the income from her business to provide her children with good educations and calorie-rich foods. She is requesting the loan to buy a sewing machine so she can start her new business. She is relying on your kindness.
View original language description ↓

Женщина с «золотыми руками», которая живет на севере Таджикистана, имеет очень большой план в сфере бизнеса. Ее зовут Умида. Ей 24 года. Она замужем и на воспитании имеет 2 детей. Ее муж фермер и получает маленький доход. Его доход не хватает для обеспечения семьи со всеми необходимыми средствами. Так как Умида швея и умеет шить национальные женские платья и национальный матрас «курпача», она решила помочь мужу для благо получения семьи своим ремеслом. Раньше она не имела знаний о бизнесе. Недавно ее подруга сообщила ей о курсе «Добейся успеха» организованный Ассоциация Деловых Женщин, где обучают женщин создать бизнес-план и организовать бизнес. Она участвовала на этом курсе и получила сертификат. Теперь она вполне может организовать свой бизнес и стать успешной в этой сфере. Она хочет организовать бизнес шитьем национального матраса «курпача», так как имеет опыт в этом виде бизнеса. От полученного дохода она планирует обеспечить своих детей с хорошим образованием и высококалорийными продуктами питания. Она запрашивает займ для покупки швейной машинки, 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 $125 helped Umida to buy a sewing machine to start a new business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 18, 2012
Dec 25, 2012
Currency Exchange Loss:
Mar 2, 2013