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Jumash's Group
In this Group: Jumash, Janyl, Baktybubu, Zamirbek, Nasip
Jumash T. is the leader of this group. Jumash is fifty-one years old and divorced. Her sons are already grown and make their own living. The fact that they grew up with priceless qualities, such as hard work, persistence and strength, is a credit to Jumash. These qualities are absolutely necessary in our life in order not to rely on anyone else. Her sons saw Jumash’s hard work and persistence in her business. She sells women’s, men’s and children’s clothing at a market. The competition is strong at the market, and, especially now given the conditions of the crisis, it is not an easy task even for seasoned retailers to maintain business sustainability. Jumash showed strength after her divorce. She started working even more persistently. Her oldest son works at a brick factory. Her youngest son decided to help her with the sales. Jumash bravely requests loans. She knows well that in business, one cannot advance without taking risks. Her business turnover is now fifty thousand som. Jumash started selling a long time ago. She started with vegetables. Then successful sales made her think hard about transitioning to other types of merchandise. She transitioned to clothing. Her first capital was three thousand som ($70). Now her monthly income is nine thousand som ($230). Jumash decided not to lose any time on saving her own money and requested a loan right away, in order to invest it into her goods turnover and save herself time.

Jumash has four partners in the group:

Janyl is twenty-nine years old. Her husband is a construction worker. They have three children. Janyl sells men’s clothing at a market. She needs a loan in order to acquire new merchandise.

Baktybubu is forty-nine years old. She keeps cows and sells milk. She also sells small merchandise near her house. Her husband works at “MJS”. They have three children. Two of them work, and the youngest goes to school. Baktybubu needs a loan in order to purchase merchandise.

Zamirbek is twenty-nine years old. He is already a father of three children. Zamirbek works at a brick factory, and his wife stays at home and takes care of livestock. Zamirbek needs a loan in order to purchase two rugs for home and some small items.

Nasip is fifty-seven years old. Her husband no longer works because he is retired. However, Nasip and her husband got involved in animal husbandry. Now Nasip needs a loan in order to purchase two cows.

View original language description ↓
Теишова Жумаш – лидер данной группы. Жумаш пятьдесят один год. Жумаш в разводе. Сыновья уже выросли и сами себе зарабатывают на жизнь. Это именно заслуга Жумаш в том, что они выросли, получив бесценные качества, как например трудолюбие, упорство и стойкость, которые так нужны в нашей жизни, чтобы не нуждаться ни в ком. Трудолюбие упорство Жумаш, сыновья увидели в её работе. Жумаш торгует женскими, мужскими и детскими вещами на рынке. На рынке большая конкуренция и в условиях кризиса отстоять рентабельность бизнеса не из лёгких задач даже для бывалых торговцев. Стойкость Жумаш проявила после развода. Жумаш даже начала работать упорнее. Старший сын работает на кирпичном заводе. Младший сын решил помогать ей в торговле. Жумаш смело обращается за кредитами. Она хорошо знает, что в бизнесе, только не боясь рисковать можно смело двигаться вперёд. Сейчас у неё в обороте пятьдесят тысяч сомов. Торговать Жумаш начала давно. Начала она с овощей. Удачная торговля заставила её призадуматься о том, чтобы переходить на другие виды товаров. Она перешла на одежду. Её первоначальный капитал составлял три тысячи сомов ($70). Сейчас её ежемесячный доход равен десяти тысяч сомов ($230). Она решила не терять времени на накопление собственных денег, а сразу обратиться за кредитом, чтобы вложить средства в товарооборот и тем самым сэкономить себе время.

У Жумаш четыре партнёра по группе:

Жаныл двадцать девять лет. Муж Жаныл работает строителем. У них трое детей. Жаныл торгует мужской одеждой на базаре. Жаныл нужен кредит, чтобы закупить новый товар.

Бактыбубу сорок девять лет. Она держит коров и продаёт молоко. Также она торгует мелкими товарами возле дома. Её муж работает в МЧС. У них трое детей. Двое из них работают, а младший сын ходит в школу. Бактыбубу нужен кредит, чтобы закупить товар.

Замирбеку двадцать девять лет. Он уже отец троих детей. Замирбек работает в кирпичном заводе, а жена Замирбека находится дома и присматривает за скотом. Замирбеку нужен кредит для того, чтобы купить два ковра для дома, и кое какие вещи по мелочам.

Насип пятьдесят семь лет. Муж Насип уже не работает, так как находится в пенсионном возрасте. Однако вместе с Насип они занялись разведением скота. Сейчас Насип нужен кредит, чтобы приобрести две коровы.

--- 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
  • 71
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,317,750
    Funds lent in using Kiva
  • 44.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Jumash's Group's $1,350 loan helped a member purchase of winter clothing variety in order to support customer demand.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Dec 16, 2009
Dec 24, 2009
Currency Exchange Loss:
Aug 11, 2010