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Gulnora is 49 years old, married, and raising 1 child. Thanks to her parents, Gulnora received university education, and for many years has been working as a teacher at her local high school. However, her salary is very low, and her husband is also unable to provide for their family on his own. In order to secure an additional source of income, Gulnora has decided to start her own business. She learned from her colleagues about the course "Succeed", organized by the Association of Business Women, where women are taught to set up their own businesses and earn a profit. With great enthusiasm, Gulnora took the course and received her graduation certificate. She learned good business skills and is now certain that her plan can be brought to life.

Gulnora would like to start her own business of buying and selling dried fruits. She is planning to do her trade at the nearest local market. Gulnora is requesting a loan of 5000 somoni to purchase dried fruits for her new business. This loan will help her improve her living conditions, and she is counting on your kindness.
View original language description ↓
Гулноре 49 лет. Она замужем и на воспитании имеет 1 ребенка. Гулнора благодаря своим родителям получила высшее образование и уже много лет работает в средней школе своего района, учительницей. Ее зарплата не хватает на жизнь, а ее муж тоже не из тех, кто мог бы сам прокормить семью. С целью получения дополнительного дохода, Гулнора решила организовать свой бизнес. Она узнала от коллег о курсе «Добейся успеха» организованный Ассоциация Деловых Женщин, где обучают женщин организовать бизнес и как можно получать деньги для бизнеса. Она с огромным желанием обучилась на этом курсе и получила сертификат. Она получила хорошие знания о бизнесе, и теперь она уверена в реализации своего плана. Она хочет организовать бизнес купле продажей сухофруктов. Она собирается торговать на ближайшем местном рынке своего района. Она запрашивает займ на сумму 5000 сомони для покупки сухофруктов, чтобы организовать новый бизнес. Этот займ поможет ей организовать бизнес и таким путем улучшить условию проживания. 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
  • 207
    View loans »
    Tajikistan Loans Fundraising
  • $31,826,550
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Gulnora to buy dried fruits for starting her new business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 24, 2012
Jan 3, 2013
Currency Exchange Loss:
Jan 18, 2014