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Gulnara's Group
In this Group: Gulnara, Bakir, Gulsun, Bubuaisa


Gulnara O. is the leader of this group. She is 43 years old. In these difficult times, with unemployment everywhere, and with many people at a loss for what to do, the example set by Gulnara is quite inspiring.



Unlike many others she didn't just sit around and complain about her situation or look for someone else to hire her. She and her husband quickly realized that now is the time when people must create their own jobs - simple businesses that are easy to develop without the need for large upfront investments. Their parents were also able to help out since they had the experience and the means to support the initiatives of their children. It's been fifteen years now that Gulnara and her husband have their own livestock breeding business.



Her husband had worked as a shepherd all his life. Currently he tends the herds and Gulnara manages the sale of their livestock. They raise and sell sheep. This was the business of their parents and they were the ones that first suggested to Gulnara and her husband to start raising their own livestock.



Gulnara raised three children. Her eldest daughter is already married. She is twenty-three years old. Her middle son is twenty-two. He is a construction worker in the city of Bishkek. The youngest daughter is fifteen and is a high school student. It was the livestock business that allowed Gulnara and her husband to purchase a house as well as have a wedding for their daughter. Currently their monthly income is around 2000 soms which is very little. However, the livestock that they already have allows Gulnara to look optimistically towards the future. Currently she has plans to buy another cow. She is hoping that this loan will allow her to complete this purchase.


These are Gulnara's group partners:

Bakir is 43 years old and has been in the livestock business for thirteen years. His wife works from home selling various household items. They have three children. All of the children attend school and afterwards help their father with work around the house. Bakir would like to purchase a calf that he could raise and sell.

Gulsun is 47 and she has one son who is twenty-three. Gulsun's husband works at the heating station. Gulsun herself raises sheep. She would like to buy a cow calf and that's the reason for her loan request.

Bubuaysha is 38. Her husband is a shepherd. Bubuaysha also has some livestock at home and sells milk. They have three chidren. The youngest one is two years-old. Bubuaysha hopes to get a loan to purchase an additional cow.





--- 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: http://www.kiva.org/about/aboutPartner?id=135
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 http://kiva.org/team/kyrgyzstan. Members will get special updates and news from the Kiva Fellows in Kyrgyzstan and Mol Bulak staff.

View original language description ↓
Осмоналиева Гульнара – лидер данной группы. Ей сорок три года. В такое время, когда кругом безработица, и люди порой оказываются в затруднительном положении из – за незнания, чем заняться, пример Осмоналиевой Гульнары довольно вдохновляющий. Она не стала, как многие другие люди искать работу или сидеть и жаловаться на своё положение. Она вместе с мужем быстро сообразила, что сейчас время, когда люди должны сами себе создавать рабочие места и тихо дело, которым было бы и удобно заниматься и которое не требовало бы больших вложений. К тому же, помогли родители, у которых и опыту было больше и средств, чтобы поддержать начинания детей. И вот Гульнара и её муж уже пятнадцать лет занимаются животноводством. Её муж очень всю жизнь проработал пастухом. Сейчас он пасёт скот, a Гульнара занимается перепродажей скота. Они откармливают и продают овец. Этим занимались ещё их родители, которые и посоветовали им заняться разведением скота. Гульнара вырастила троих детей. Старшая дочь уже замужем. Ей двадцать три года. Среднему сыну двадцать два года. Он работает в г. Бишкек на стройке. Младшей дочери пятнадцать лет. Она учится в школе. Занимаясь разведением скота Гульнара и её муж, смогли купить дом, а также выдать дочь замуж. Сейчас их ежемесячный доход составляет около двух тысяч сомов. Это очень маленький доход. Однако имеющаяся живность позволяет Гульнаре смелее смотреть на завтрашний день. Сейчас Гульнара намеревается купить ещё одну корову для содержания. Она очень надеется, что данный кредит позволит ей осуществить задуманное.
Партнёры Гульнары по группе:
Бакиру сорок три года. Бакир тринадцать лет занимается животноводством, а жена сидит дома и торгует штучными товарами. У них трое детей. Все дети ходят в школу a после школы помогают отцу по хозяйству. Бакир хочет получить кредит и купить телёнка для откорма и продажи.
Гульсун сорок семь лет. У неё единственный сын. Сыну двадцать три года. Муж Гульсун работает в котельне. Гульсун же разводит овец. Гульсун хотела бы купить телёнка. Поэтому она обратилась за кредитом.
Бубуайше тридцать восемь лет. Муж Бубуайши сельский пастух. Бубуайша также дома держит скот и продаёт молоко. У них трое детей. Младшему всего два годика. Бубуайша надеется получить кредит и купить ещё одну корову.
--- 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: http://www.kiva.org/about/aboutPartner?id=135
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 http://kiva.org/team/kyrgyzstan. 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

  • $2,100
    Average annual income
  • 163
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,020,325
    Funds lent in using Kiva
  • 43.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Gulnara's Group's $1,175 loan helped a member livestock purchase to increase future earnings.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 3, 2009
Listed
Dec 1, 2009
Currency Exchange Loss:
Possible
Ended:
Aug 11, 2010