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Update on Malika

Malika was born 40 years ago in a family of a farmer. At the present time, she lives with her family in the northern part of Tajikistan. She was previously involved in buying and selling perfumes. Malika started her own business in buying and selling industrial goods three months ago. She strives to develop her business. With this goal in mind, she completed the "Achieve Success" course, organized by the Association of Business Women. Malika received a lot of new information for herself. Malika wants to increase her working capital and, thus, attract more clients. She is requesting a loan in the amount of 15000 somoni to purchase industrial goods to increase her working capital. She awaits your kindness and hopes for your mercy.
View original language description ↓
Малика 40 лет назад родилась в семье фермера. Она данное время живет вместе с семьей на северной части Таджикистана. Она раньше занималась купле продажей парфюмерии. Малика 3 месяца назад начала свой бизнес купле продажей индустриальных товаров. Она стремиться к тому, чтобы развевать свой бизнес. С такой целью она обучилась в курсе «Добейся Успеха» организованного Ассоциация Деловых Женщин. Малика получила много новой информации для себя. Малика хочет расширить оборотный капитал и таким образом привлечь больше клиентов. Она запрашивает займ на сумму 15000 сомони для покупки индустриальных товаров для расширения оборотного капитала. Она ждет вашу доброту и надеется на ваше милосердие.

Previous Loan Details

Malika is married and a loving mother of four children. Her husband is involved in providing a taxi service. Malika is involved in buying and selling perfumes, powders and household goods. She wants to expand her business and make a good profit to support her family. Malika is requesting this... More from Malika's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Tajikistan

  • $2,700
    Average annual income
  • 221
    View loans »
    Tajikistan Loans Fundraising
  • $32,092,775
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $3,150 helped Malika to purchase industrial goods to increase her working capital.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 31, 2013
Nov 11, 2013
Currency Exchange Loss:
Jun 18, 2015
This photo was used before for a previous loan for Malika. It was first posted on Kiva on May, 2012. Learn More