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Dulmaa
Dulmaa D. is 38, married and the mother of three. Dulmaa's family lives in a "ger" (a nomadic Mongolian housing tent) district in Arhanghay, one of Mongolia's central provinces. Her youngest two sons attend elementary and high school.


Since 2002, together with her husband, Bat-Ochir, she has been running a clothing stall at the local market. She is a hard-working woman who tries her best to make a better life for her children. From her profit, she has bought electronic goods for her home and plans to buy a car soon. When she began her retail business, her working capital was 500,000 tugrugs and now as a result of hard work, it has increased to 2,000,000 tugrugs ($1.00 USD = 1,450 MNT).


She requests a loan to buy more men's and women's apparel to increase her business inventory.

Additional Information

About XacBank

This loan is being administered through XacBank, a Mongolian for-profit microfinance institution. XacBank is located in every province of Mongolia, reaching some of the most rural micro business clients. With this Kiva loan, there is an opportunity for the entrepreneur to get a savings account including 9% of the interest if they pay back the loan on time. This is a special savings account that XacBank has specifically prepared for the Kiva loan borrowers to promote savings habits.

About Mongolia

  • $2,175
    Average annual income
  • 0
    View loans »
    Mongolia Loans Fundraising
  • $15,289,050
    Funds lent in using Kiva
  • 1,412.5
    Mongolia Tugriks (MNT) = $1 USD