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Atyrgul's Group
In this Group: Atyrgul, Rahat, Roza, Dinara


Atyrgul A. is the leader of this group. She is fifty-five and is a mother of three children. Atyrgul and her husband are in the sheep-breeding business. In the beginning they had to save diligently in order to purchase their first livestock. Eventually they were able to buy a cow, and later they started to breed livestock and sell it as necessary. It is difficult to over-estimate the importance of having livestock for Atyrgul and her husband: with the income they earned they were able to build a house, give an education to their children, and even bought an apartment in the capital. Atyrgul and her husband also grow vegetables in their own garden.

In addition to the livestock-breeding business, Atyrgul keeps cows and sells milk. Just the monthly profit from the sale of milk is about 2700 soms (local currency). But twenty years ago, when they just started their livestock business, they were able to buy their first cow for only 1000 soms. Nowdays a cow costs almost twelve times as much. Atyrgul and her husband know the value of time. When they raised their children they tried their best to give them an education and the freedom to choose their profession. And the children have made their choice: they decided to go into police work. The eldest son is twenty-nine and is married. He is a police detective. The middle son is twenty-seven and he is not married yet. He works as as a detective as well. The youngest son has not yet finished college. Atyrgul wants to purchase an additional dairy cow. Without a loan it will take her a long time to save up enough money. She really hopes to obtain this loan so she can realize her plans. She would would like to get her two younger sons married and also to increase the size of her flock.




Atyrgul has three partners in her group:

Rahat A. is thirty-seven. Rahat is raising four children. Her husband is a construction worker. Rahat stays at home and takes care of her five year-old-son. However, she also finds enough time to tend her livestock and sell milk. Rahat would like to get a loan to purchase a bull.

Roza B. is forty-two. She and her husband tend to their sheep and cows. They are raising three children. The eldest daughter is sixteen, and the youngest son is seven. Roza is seeking a loan in order to purchase sheep for breeding.

Dinara O. is thirty-six. She is a mother of three children. Her spouse is a self-employed electrician. Dinara has a home-based retail business. She would like to get a loan in order to purchase a stock of goods to sell.




--- 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 ↓
Асанбаева Атыргуль – лидер данной группы. Пятидесяти – пятилетняя Атыргуль – мать троих детей. Атыргуль и её муж занимаются домашним хозяйством. Они разводят овец. Они усердно копили свои сбережения, чтобы приобрести скот. В конце им удалось приобрести одну корову. В последующем они размножали скот и по мере необходимости продавали его. Трудно переоценить значение владения живности для Атыргуль и её мужа. Ведь за счёт скота они построили дом, дали детям образование и даже купили квартиру в столице. Они также имеют огород и выращивают там овощи. Атыргуль помимо этого держит коров и продаёт молоко. Только прибыль от молока составляет ежемесячно около двух тысяч семисот сомов. Хотя двадцать лет тому назад, когда они только начали заниматься животноводством, они вложили в покупку коровы всего тысячу сомов. Сейчас корова стоит, чуть ли не в двенадцать раз дороже. Атыргуль с мужем понимают важность того, как им удалось сэкономить время. И тем не менее, они вырастили детей и постарались предоставить им возможность получить образование и свободу выбора профессии. И дети сделали свой выбор. Они избрали сферу органов правопорядка. Старшему сыну двадцать девять лет, женат. Он работает следователем в милиции. Среднему сыну двадцать семь лет. Он работает в уголовном розыске и пока холост. Младший сын ещё не закончил ВУЗ. Атыргуль хочет приобрести ещё одну дойную корову. Накопление средств займёт много времени, нежели этот кредит, за которым она и обратилась. Атыргуль очень надеется, что она получит его и сможет осуществить задуманное. Она планирует женить остальных двух сыновей и начать увеличивать поголовье скота.

У Атыргуль три партнёра по группе:

Абдылдаевой Рахат тридцать сем лет. Рахат растит четырёх детей. Муж работает разнорабочим на стройке. Рахат находится дома, смотрит за пятилетним сыном. Но при этом она успевает заниматься животноводством и продавать молоко. Рахат нужен кредит для покупки бычка.

Бейшенбаевой Розе сорок два года. Вместе с мужем занимаются домашним хозяйством: держат коров овец, а также воспитывают троих детей. Старшей дочери шестнадцать лет, а младшему сыну семь лет. Роза обратилась за кредитом, с целью купить овец для разведения.

Орозбаковой Динаре тридцать шесть лет. Она мать троих детей. Супруг работает внештатным электриком. Сама Динара занимается розничной торговлей товаров повседневного спроса на дому. Динаре нужен кредит, чтобы закупить товар.

--- 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

  • $2,500
    Average annual income
  • 84
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,751,450
    Funds lent in using Kiva
  • 43.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Atyrgul's Group's $1,150 loan helped a member to buy a milk cow.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 13, 2009
Listed
Dec 2, 2009
Currency Exchange Loss:
Possible
Ended:
Oct 15, 2010