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Hurmat is a motivated and diligent woman who tries to improve her living conditions and stimulate the economic status of her family. She is 31 years old and is married with two children. Her husband is not in a position to support the family and for that reason, Hurmat is the main breadwinner of the family. For more than four years, she has been involved in the purchase and sale of industrial products. She works in the local market, but lately she has fewer clients and she wants to increase her business.

Hurmat has been looking for a new business for a few months and thankfully she read an advertisement about the "Get Ahead" course offered by the Association of Businesswomen. She enrolled in the course and received a certificate and now she wants to start a business buying and selling bread. She will sell bread near her home, as the demand for bread is always high. With the income from this business, she plans to provide her children with a good education and high-calorie foods. She is asking for a loan of 7,000 somoni to buy bread to start her business. She is awaiting your kindness.
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Хурмат мотивированная и целеустремленная женщина. Она является одним из таких личностей, которая старается улучшить условия жизни и стимулировать экономическое состояние семьи. Ей 31 года. Она замужем и на воспитании имеет 2 детей. Ее муж не в состоянии содержать семью и поэтому Хурмат является основной кормилицей в семье. Более 4 года она занимается купле продажей индустриальных продуктов. Она торгует на местном рынке, но в последнее время у нее мало клиентов и она не может развевать бизнес. Хурмат уже несколько месяцев была в поиске нового бизнеса и к ее счастью она прочла в рекламе о курсе «Добейся успеха», который организуется Ассоциация Деловых Женщин. Хурмат обучилась в этом курсе и получила сертификат. Она хочет организовать бизнес купле продажей хлеба. Она будет продавать хлеб возле своего дома, так как спрос на хлеб всегда большой. От полученного дохода она планирует обеспечить своих детей с хорошим образованием и высококалорийными продуктами питания. Она запрашивает займ на сумму 7500 сомони для покупки хлеба, 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
  • 217
    View loans »
    Tajikistan Loans Fundraising
  • $32,074,750
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,575 helped Hurmat to buy bread to start her new business.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Dec 24, 2012
Jan 4, 2013
Currency Exchange Loss:
Oct 21, 2013