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Rita's Group
In this Group: Rita, Akak, Dinara, Venera
Rita is the leader of this group. Rita has three children and like any mother she thinks about their future. Her eldest son, 24, is single. He provides cargo transportation services for local villagers. Another one of Rita’s sons works as an ironer in a garment factory. Her little daughter, 13, is a school student. Rita has done a lot to give them a good upbringing. Now she works as the head of the local post office.

In addition, Rita keeps some cows and manages to sell twenty to twenty-five liters of milk a day. She discovered her spirit of enterprise back when her parents-in-law gave her a cow and five sheep as a wedding gift. It would have been quite natural to just gradually butcher the sheep for a meat supply and even to sell the cow, as it was some thirty years ago when she was young. However, she kept these animals, and by combining her earnings with her husband’s, they have been able to buy a lorry and furniture. Now, just from selling milk, she earns about $70 a month.

Rita has decided to apply for this loan because she wants to purchase seven sheep for breeding. Her ultimate goal is to increase the total livestock population, so that when her two sons marry, she will be able to help them build homes for themselves.

Rita’s partners are:

Akak, 33, has two children. Her husband is a hairdresser and she helps her husband earn their family’s living by selling milk. Akak hopes to get a loan to buy a calf. She would spend the rest of the loan for harvesting.

Dinara, 43, is divorced. She has raised one son. Dinara has diverse occupations: she teaches the Kyrgyz language at school, keeps a garden, and sells ten liters of milk a day. She needs a loan to buy a cow.

Venera, 44, is divorced. She has three children. She has worked as a teacher of Russian language and literature. She also sells milk, which greatly helps her cover most of the family expenses. She needs a loan to buy some sheep.

--- 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 Kyrgyzstan

  • $2,500
    Average annual income
  • 60
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,295,000
    Funds lent in using Kiva
  • 43.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Rita's Group's $1,600 loan helped a member to purchase seven sheep for breeding.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 23, 2009
Oct 8, 2009
Currency Exchange Loss:
Apr 21, 2010