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Everything seemed to have ended when 37-year-old Gulbeka lost her husband, who left her with a daughter. She realized she needed to start a business so she could earn money to take care of her child. After attending training in tailoring, she opened a workshop in her house. However, she had difficulties because she did not have enough capital to invest. One of her friend advised her to apply for a loan to IMON International. Since then (2005) she has applied for two loans from IMON International and repaid both of her loans successfully.

With this loan of 2500 Somoni ($750 USD), she plans to sew and sell the national raincoat (called “Chapan”) for men and women. She will use the profits to pay school fees for her daughter and to slightly remodel her house. Gulbeka plans to repay her loan in 12 months. Let’s help this mother to keep working for the well-being of her daughter and household.

More about Tajikistan

Tajikistan is perhaps best known for its rich history, which includes a key post along the Silk Road; the end of Alexander the Great's rule; and its famous great thinkers, philosophers, scientists and poets, including Rudaki, Ibn Sina (Avicenna), Firdousi, Omar Haiyam, Jomi, Mavlavi Rumi and many others. The country is home to epic mountain passes, communities that still speak the ancient Sogdian language, and a civilization that dates back to the 4th millennium BC. Today it remains a complex mixture of the Islamic faith, Soviet culture, New West culture, and Central Asian traditions.
But Tajikistan is also the poorest of the former Soviet republics. The civil war that ignited soon after its independence from the U.S.S.R. further damaged the already weak economy. In addition, 93% of the country is mountainous and only 7% of the land is arable. These conditions have resulted in high levels of unemployment and have forced hundreds of thousands to seek work in other countries, mainly Russia. While the people of Tajikistan are working to improve its agricultural production and manufacturing sector, nearly two-thirds of the population still lives in abject poverty.

More about IMON International

Since December 2007, IMON International has worked closely with Kiva and Kiva lenders to ensure that poor and low income clients represent a viable business proposition. Funds raised through Kiva have already been distributed to thousands of IMON International's clients and will continue to provide thousands more with permanent access to the varied financial services they need. To learn more about IMON International's work, please visit:

Additional Information

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
  • 214
    View loans »
    Tajikistan Loans Fundraising
  • $32,092,775
    Funds lent in using Kiva
  • 3.4
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Gulbeka purchase materials to sew raincoats.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Dec 2, 2008
Dec 29, 2008
Currency Exchange Loss:
Dec 15, 2009