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Gulzat's Group
In this Group: Gulzat, Zhanyl, Nasihat, Mirgul, Sherik
Gulzat, 33, is the group leader. She is an excellent example of a woman who never hesitates to try something that she has never done before.

Quite unfamiliar with keeping a household, Gulzat, ever since she inherited a cow from her parents, has kept it for its milk. She even started growing clover on a piece of land and selling the excess, thus starting to make decent profits. Eventually these profits have helped her take care of her three children.

Gulzatā€™s husband works as a secondary school teacher and, naturally, this business of hers has been quite an important contribution to the family budget. All her children take an active part in helping her look after the cow and farm the land. At present, she manages to make 35 dollars a month. After saving this money, she has bought a car and some domestic equipment.

Now Gulzat needs a loan to conduct some repairs and renovation work at her house. After that, she has already made up her mind on building a new shed for her cattle.

Nasihat, 38, is a housewife. Nevertheless, along with her domestic chores, she sells milk that her cow yields. She also works in her vegetable garden. Nasihat would like to increase the amount of milk she has for sale. However, she needs a loan to buy a cow, as her earnings are not enough to save.

Sherik, 44, is engaged in cattle raising: fattening and reselling livestock and selling milk. He has three children and a caring wife. Striving to improve the living standards of his family, Sherik has started building a house.

Zhanyl, 36, is a housewife and mother of three children. Her regular job is making national rugs and matting to order. In future she plans to keep cows and start selling milk.

Mirgul, 46, is married and has three children. She and her husband, own one hectare (2.5 acres) of land, where they grow corn. Also they sell milk. Now they need a loan to purchase two calves for fattening and resale.

Sherik, Zhanyl and Mirgul need loans to purchase calves for fattening and resale.

--- 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 the 3-Ps concept - People (building human capital and taking care of its customers and the society as well), Profit (to be profitable in order to grow further) and the Planet (taking care of the environment). It is also the only MFI in Kyrgyzstan that 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:

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 Members will get special updates and news from the Kiva Fellows in Kyrgyzstan and from Mol Bulak staff.

Additional Information

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 90
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,001,375
    Funds lent in using Kiva
  • 43.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Gulzat's Group's $825 loan helped a member to repair her house.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 17, 2009
Jul 30, 2009
Currency Exchange Loss:
Feb 15, 2010