A loan of $1,200 helped purchasing of new items of jewelry for increasing the range of goods.

Gulmira's story

Gulmira S. is 33 years old and is married with two children. She has been selling Oriental style jewelry at the local market for the past 11 years. The national earrings, rings and bracelets she sells are very beautiful and popular in Tajikistan. All Tajik women have at least one set of jewelry, often inherited from their grandmothers.

Gulmira’s jewelry business is successful and generates a stable income for her family. She started out with $300 USD and now has $3000 USD in working capital. She requests a loan of $1200 USD to purchase new jewelry and increase the range of items she sells. Gulmira has demonstrated herself as a reliable IMON borrower over the past two years. She thanks all for the support and promises to repay the loan.

More about Tajikistan and IMON International:


Tajikistan is perhaps best known for its rich history and diverse culture, which is a mix of the Islamic faith, Soviet influence, and Central Asian traditions. It served as a key post along the Silk Road and marked the end of Alexander the Great's extensive rule. It was the birthplace of the great Persian poet Rudaki and famous Islamic philosopher Ibn Sina. And it 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.

But, Tajikistan is also the poorest of the former Soviet republics. The civil war, which 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 live in abject poverty.

IMON's History

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.

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