Altyngul Durbelova's Group

Altyngul is the leader of this group. She is forty-three years old. By this age, Altyngul raised three children. Her oldest is seventeen, middle is fifteen and the youngest daughter is ten. All of them currently attend school. Altyngul’s husband is a critical-care physician. Altyngul is involved in retail sales of blankets, bed covers and bedding sets. Prior to starting her entrepreneurship, Altyngul already had experience in retail as a salesperson. Seven years ago, having gained experience and bravery, she decided to risk all of her savings in the sum of sixty thousand som (KGS) in order to purchase merchandise. Since that time, her business allowed her to update furniture at home, buy household appliances and increase livestock headcount. Now Altyngul earns approximately twelve thousand som per month. Altyngul solidly stands on her feet and intends to continue developing her business further. Currently, Altyngul needs a loan, which would enable her to purchase a new stock of bedding. She wants to buy a new selection of bedding sets because it will help increase goods turnover and attract a larger quantity of customers. According to Altyngul, she is doing all this in order to provide her daughter with higher education. She dreams of opening another business location and grow her business.

Altyngul has partners in this group:

Meerim is twenty-three years old. She is married and has one child, who is only two years and nine months old. Her husband works as a civilian police employee. Meerim works in network marketing. She sells cosmetics from Mary Kay. At first, she used to use Mary Kay cosmetics herself and then started to work with them directly. Meerim requested a loan in order to purchase several types of eye shadow, lipstick and perfume.
Djumagul is fifty-three years old. She is a widow and a mother of two children. Her youngest son is working in Russia, and the oldest lives with her and helps with the business. Djumagul makes a living from sales of food products. She has been involved in this for ten years already, and her monthly income consists of approximately sixteen thousand som. Djumagul needs a loan in order to purchase a new stock of food products.

Venera is forty years old. She is married and has one daughter. Her daughter is twenty years old and lives separately from her parents. Venera is already retired and works part-time as a governess. Because the heating season is starting very soon, Venera decided to request a loan in order to purchase coal for the winter.

--- Where Did This Loan Come From? ---

This loan is brought to you by Mol Bulak Finance, a young and ambitious socially-focused MFI in Kyrgyzstan.

Mol Bulak Finance is strongly committed to the principles of sustainable development on the basis of 3-Ps concept - People (building human capital and taking care of its customers and the society as well), Profit (to be profitable to grow further) and the Planet (taking care of the environment). It is also the only MFI in Kyrgyzstan who delivers its services to customers 365 days a year. To learn more about Mol Bulak and view a Video presentation about the organization, please visit: http://www.kiva.org/about/aboutPartner?id=135

If you would like to support and learn more about Kyrgyzstan and micro-finance in Central Asia, please join our Lending Team - Supporters of Kyrgyzstan - at http://kiva.org/team/kyrgyzstan. Members will get special updates and news from the Kiva Fellows in Kyrgyzstan and Mol Bulak staff.

Translated from Russian by Anna Sorokina-Hailey, Kiva Volunteer

Алтынгуль – лидер этой группы. Ей сорок три года. К этому возрасту Алтынгуль вырастила троих детей. Старшему семнадцать, среднему пятнадцать и младшей дочке десять. Все они сейчас ходят в школу. Муж Алтынгуль – врач-реаниматолог. Сама же она занимается розничной торговлей пледов, одеял, и постельных комплектов. До того, как заняться предпринимательской деятельностью, у Алтынгуль уже был опыт в торговле, в качестве продавщицы. Семь лет назад, набравшись опыту и мужества, она всё-таки рискнула вложить все свои накопления в размере шестидесяти тысяч сом (KGS) на закупку товара. За это время её деятельность позволила ей обновить мебель в доме, купить бытовую технику и увеличить поголовье скота. Сейчас Алтынгуль зарабатывает около двенадцати тысяч сом в месяц. Алтынгуль прочно встала на ноги, и намеревается дальше развивать свой бизнес. Сейчас Алтынгуль нуждается в кредите, который бы ей позволил закупить новую партию постельного белья. Она хочет купить постельные комплекты нового ассортимента, так как это увеличило бы товарооборот и привлекло большее количество покупателей. По словам Алтынгуль, всё это она делает ради того, чтобы дать высшее образование дочери. Она мечтает о том, чтобы открыть второе место бизнеса и расширить бизнес.

У Алтынгуль есть партнёры по группе:

Мээрим двадцать три. Она замужем и у неё один ребёнок. Ему всего два года и девять месяцев. Муж работает внештатным работником ГАИ. Мээрим же работает в сетевом маркетинге. Она продаёт косметику от фирмы «Мэри Кэй». Вначале она сама пользовалась косметикой этой фирмы, а впоследствии начала непосредственно сотрудничать с ними. Мээрим обратилась за кредитом с целью закупки нескольких видов теней, помад и духов.

Джумагуль пятьдесят три года. Она вдова и мать двоих детей. Младший сын находится на заработках в России, а старший живёт с ней и помогает в бизнесе. На жизнь, Джумагуль зарабатывает за счёт торговли продуктами питания. Она занимается этим уже десять лет и её месячный доход составляет около шестнадцати тысяч сомов. Джумагуль нужен кредит для того, чтобы закупить новую партию продуктов питания.

Венере сорок лет. Она замужем и у неё одна дочь. Дочке двадцать лет и она живёт отдельно от родителей. Венера уже на пенсии и подрабатывает гувернанткой. Так как отопительный сезон вот-вот начнётся, Венера решила обратиться за кредитом, чтобы закупить на зиму угля.

--- Where Did This Loan Come From? ---

This loan is brought to you by Mol Bulak Finance, a young and ambitious socially-focused MFI in Kyrgyzstan.

Mol Bulak Finance is strongly committed to the principles of sustainable development on the basis of 3-Ps concept - People (building human capital and taking care of its customers and the society as well), Profit (to be profitable to grow further) and the Planet (taking care of the environment). It is also the only MFI in Kyrgyzstan who delivers its services to customers 365 days a year. To learn more about Mol Bulak and view a Video presentation about the organization, please visit: http://www.kiva.org/about/aboutPartner?id=135

If you would like to support and learn more about Kyrgyzstan and micro-finance in Central Asia, please join our Lending Team - Supporters of Kyrgyzstan - at http://kiva.org/team/kyrgyzstan. Members will get special updates and news from the Kiva Fellows in Kyrgyzstan and Mol Bulak staff.


About Group Loans
In a group loan, each member of the group receives an individual loan but is part of a group of individuals bound by a group guarantee. Under this arrangement, each member of the group supports one another and is responsible for paying back the loans of their fellow group members if someone is delinquent or defaults. Learn more

Subscribe