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Kyyal's Group
In this Group: Kyyal, Miralan, Elmira, Gulzat
M. Kyyal is the leader of this group. Kyyal has two children. Her husband is a cab driver. Her son, who is the oldest, is eleven years old and her daughter is just four. Kyyal herself takes care of the house. She keeps two cows and sells milk. In her free time, she also sews traditional national folk art and goods. In this way, even while staying at home, Kyyal is able to not only care for the children and fulfill her duties as housewife, but also to support the family budget. Many years ago, Kyyal became interested in breeding livestock. She has decided to take action and to try it. She wasn’t afraid to invest 18,000 soms (420 USD) of her own money toward the purchase of cows. Meanwhile, she and her husband were able to save up enough money for the purchase of a home. From the sale of milk and her folk creations, Kyyal currently earns 3,500 soms (82 USD) per month. That equals to her average monthly income. Now Kyaal would like to receive a loan to buy two calves for further breeding and for sale on the market. Kyaal would also like to build a large house on the income from her milk and folk goods sales, since construction requires the investment of a large sum of money all at once.

Here are Kyaal’s partners in the group: Miralan, Elmira, and Gulzat.

Miralan is twenty-two. He is already married and has a daughter. Miralan resells cattle on the livestock market. His wife stays at home, as their daughter is just one and a half years old. Miralan is a very capable businessman and provides sufficiently for his family. He hopes to receive a loan and to invest it towards his working capital. Miralan’s lifelong dream is to save up enough money to buy a private apartment.

Elmira is thirty-one years old. She is the mother of two children. Her youngest daughter is just three years old. Elmira works as a saleslady in the “National” shopping center. Her husband is a metalworker in the town of Tokmok. Thanks to a joint effort, Elmira and her husband were able to do a good job renovating their home. Elmira decided to apply for a loan in order to obtain a large cow. After reselling the cow, Elmira plans to buy a car.

Gulzat is thirty-three yars old. She is married and has two children. Gulzat works as a salesperson and consultant. Her husband is the founder of the firm “Asia Build.” Gulzat hopes to receive a loan and put it towards the trade of consumer goods. With the profits, Gulzat wants to buy herself a car.

View original language description ↓
Мусабаева Кыял – лидер этой группы. У Кыял двое детей. Муж занимается частным извозом. Старшему сыну одиннадцать лет, а младшей дочке всего четыре годика. Сама же Кыял занимается домашним хозяйством. Она держит двух коров и продаёт молоко. В свободное время, она также занимается шитьём национальных изделий. Таким образом, даже находясь дома у Кыял, получается не только воспитывать детей, и выполнять обязанности домохозяйки, но даже зарабатывать существенные средства и тем самым пополнять семейный бюджет. Много лет тому назад у Кыял появился интерес к животноводству. Она решила проявить настойчивость и попробовать заняться этим. Она не побоялась вложить на покупку коров восемнадцать тысяч сомов (USD 420). За это время она с мужем смогла накопить достаточную сумму для покупки дома. Сейчас от продажи молока и шитья национальных изделий Кыял зарабатывает три с половиной тысяч сом (USD 82) в месяц. Это примерно равняется средней ежемесячной зарплате. Теперь Кыял хочет получить кредит и закупить 2-х телят для дальнейшего разведения и продажи на рынке. Кыял также хочет построить большой дом на полученную прибыль от продажи молока и национальных изделий, так как стройка требует вложения сразу большой суммы.

Вот партнёры Кыял по группе: Миралан, Эльмира и Гульзат.

Миралану двадцать два. Он уже женат и имеет дочку. Миралан занимается перепродажей скота на скотном рынке. Жена находится дома, дочке всего полтора годика. Миралан умело занимается своим делом и достойно кормит семью. Он надеется получить кредит и вложить в оборотный капитал. У Миралана есть заветная мечта накопить много денег и купить отдельную квартиру.

Эльмире тридцать один. Она мать двоих детей. Младшей дочери всего три года. Эльмира работает продавцом в торговом центре «Народный». Её муж работает слесарем в г. Токмок. Благодаря совместным усилиям Эльмире и её мужу удалось сделать хороший ремонт в доме. Эльмира, решила обратиться за кредитом, для приобретения крупнорогатого скота. Перепродав скот, Эльмира планирует купить автомобиль.

Гульзат тридцать три года. Она замужем и имеет двоих детей. Гульзат работает продавцом – консультантом. Её муж – учредитель фирмы «Азия строй». Гульзат надеется получить кредит и вложить в торговлю потребительскими товарами. После получения прибыли Гульзат хочет купить себе машину.

--- 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:

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 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
  • 82
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,779,400
    Funds lent in using Kiva
  • 43.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Kyyal's Group's $1,375 loan helped a member purchase of livestock in order to finance various goals, such as building a home.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Oct 28, 2009
Nov 20, 2009
Currency Exchange Loss:
Apr 21, 2010