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Daryika's Group
In this Group: Daryika, Abjapar, Jumagul, Jamiyla
Daryika, the leader of this group, is 47 years old. She is divorced and has raised four children. Her eldest son works as a builder while her daughter works in a café. Daryika's other two sons, 11 and 10, are still at school. For last two years Daryika has been earning a living by manufacturing traditional articles for sale, mainly blankets and bedding. Her mother used to make traditional products and taught Daryika the secrets of her profession. Daryika spent $70 USD to purchase thread, needles and fabric to start work. Now, her craft earns her $190 USD a month. She has been able to buy herself a sewing machine and a brand new fridge. Her future plans include marrying her son and helping him buy a new flat. Daryika needs a loan to have cosmetic alterations in her kitchen and also purchase materials and furniture for sewing traditional articles.

Daryika’s partners are Abjapar, Jumagul and Jamiyla. Abjapar, 47, is a father of four children. He works in the market selling milk and eggs. Prior to this occupation he served in the military. After retirement, he decided to take up a trade to keep active. Abjapar needs a loan to buy a cow. He wants to sell sour cream and cottage cheese.

Jumagul, 36, is divorced and is raising a son. In spite of being a servicewoman, she manages to find time to sell writing materials. In this way, she earns a pretty decent income. Jumagul needs a loan to pay for a repair at her house and to purchase more stationery materials to sell.

Jamiyla, 40, is married to a taxi driver and has two children. She works as a jurist in frontier troops. As Jamiyla’s son goes to one of the best private high schools in the country, she needs a loan to pay for his tuition. Her plan is to send her son abroad to pursue his career.

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 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 that delivers its services to customers 365 days a year. To learn more about Mol Bulak and to view a video presentation about the organization, please visit:

If you would like to support and learn more about Kyrgyzstan and microfinance in Central Asia, please join our Lending Team, Supporters of Kyrgyzstan, at Members will get special updates and news from Kiva Fellows in Kyrgyzstan and 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 Kyrgyzstan

  • $2,500
    Average annual income
  • 93
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,742,650
    Funds lent in using Kiva
  • 44.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Daryika's Group's $1,475 loan helped a member to purchase materials and furniture for sewing traditional items; to make cosmetic alterations in the kitchen.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Aug 28, 2009
Sep 7, 2009
Currency Exchange Loss:
Apr 21, 2010