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Difficult living conditions force a person to use all of their strength and to use existing resources. Shabnam has a very difficult fate as her husband abandoned her and their 2 children. Shabnam is divorced and raises the children alone. She has a very hard time coping with family expenditures. She decided to start her own business. With this goal she turned to the course "Get Ahead" organized by the National Association of Business Women of Tajikistan and earned a certificate. Now she can start her own business and become successful in this sphere. She would like to start a business buying and selling sim cards, phone chargers, etc. She plans to use her income to provide her children with a good education and with high-calorie foods. She is asking for a loan of 3000 somoni for the purchase of products to start her business. She is waiting for your kindness.
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Трудное условие жизни заставляет человека направлять все свои усилия и мотивировать существующие ресурсы. Шабнам имеет очень трудную судьбу, так как ее муж бросил ее и 2 детей. Шабнам разведена и воспитает детей сама. Ей очень трудно справляться с расходами семьи. Она решила 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 с купле продажей сим карты, зарядную систему для телефона и т.п. От полученного дохода она планирует обеспечить своих детей с хорошим образованием и высококалорийными продуктами питания. Она запрашивает займ на сумму 3000 сомони для покупки товара, 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
  • 244
    View loans »
    Tajikistan Loans Fundraising
  • $31,829,875
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Shabnam to buy sim cards and phone chargers to start a new business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 24, 2013
May 7, 2013
Currency Exchange Loss:
Nov 18, 2013