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Difficult life conditions force a person to direct all of her efforts and motivate existing resources. Malohat is one of these people, who tries to improve life conditions and stimulate economic being of her family. She is divorced and raised her daughter, who is now 25 years old, by herself. Her daughter has one child. Malohat had worked at a kindergarten for many years. Today, she needs more income because her only daughter became a widow and returned to Malohat's home after her husband's death. Malohat started her own business in reselling women's and children's clothing three months ago. In order to develop her business, she completed the "Achieve Success" course, organized by the Association of Business Women, and obtained a certificate. She is requesting a loan in the amount of 10000 somoni to purchase women's and children's clothing to increase her new business working capital. She awaits your kindness.
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Трудное условие жизни заставляет человека направлять все свои усилия и мотивировать существующие ресурсы. Малохат является одним из таких личностей, которая старается улучшить условия жизни и стимулировать экономическое состояние семьи. Она разведена и сама вырастила свою дочь, которой 25 лет. Ее дочь имеет 1 ребенка. Малохат в течение многих лет работала в детском садике. Сегодня она нуждается больше дохода, так как ее единственная дочь осталась вдовой с маленьким ребенком и после смерти мужа она вернулась в дом Малохата. Малохат 3 месяца назад начала свой новый бизнес купле продажей женской и детской одежды. Для того чтобы развевать свой бизнес, она обучилась в курсе «Добейся успеха» организованный Ассоциация Деловых Женщин и получила сертификат. Она запрашивает займ на сумму 10000 сомони для покупки женской и детской одежды для расширения оборотного капитала ее нового бизнеса. 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
  • 220
    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 $2,100 helped Malohat to purchase women's and children's clothing to increase her new business working capital.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Oct 30, 2013
Nov 11, 2013
Currency Exchange Loss:
Dec 17, 2015