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Hikmat is a kind and decent woman. She is married, but does not have children. For several years, Hikmat and her husband have been abroad in the Russian Federation. They work part-time as laborers. Hikmat recently returned to their homeland, and now wants to start her own business and to earn a living at home. She wants to establish her own business buying and selling children's clothing.

With this aim, Hikmat turned to IMON for a loan. She is requesting a loan of US$3,000 to purchase children's clothing, in order to start a new business.
View original language description ↓
Хикмат добрая и порядочная женщина. Она замужем, но не имеет детей. Хикмат вместе с мужем несколько лет находилась в Российской Федерации. Они подрабатывали разнорабочим. Хикмат недавно вернулась на родину, и теперь хочет организовать свой бизнес и зарабатывать на родине. Она хочет организовать свой бизнес купле продажей детской одежды. Хикмат с такой целью обратилась в ИМОН за займом. Она запрашивает займ на сумму 3000 долларов США для покупки детской одежды, 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
  • 210
    View loans »
    Tajikistan Loans Fundraising
  • $31,077,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Hikmat to buy children clothes for organizing a new business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 16, 2013
Dec 26, 2013
Currency Exchange Loss:
Jan 17, 2015