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Guljan's Group
In this Group: Guljan, Baktiyar, Nurzada, Janatkul, Dilbar
N. Guljan is the leader of this group. She comes from Karabalta, a small city to the west of Bishkek. Guljan and her husband achieved all their possessions through hard work and perseverance. They know that everything in life comes gradually. Guljan is forty-seven years old. Her husband works as a procurement manager in a local high school.

Guljan is a housewife but she is also engaged in raising livestock and sells milk. Twenty-five years ago, she inherited some cattle from her parents. She had a choice to sell everything and have a regular job, but instead she decided to increase what had been left to her. During these years she has accomplished that. Moreover, through raising cattle she has been able to raise five beautiful children and build a house, and furnish it.

The children have grown. The eldest daughter is married and lives separately. One of the sons works in Russia. One of the daughters goes to college, and the rest of the children go to school. Guljan has applied for this loan to purchase coal for the rest of the winter season. She is going to complete the building of the house, buy a car, and increase the total population of her livestock.

Guljan’s partners:

Baktiyar, 28, is single. He raises and trades in cattle. He needs a loan to buy some cattle for feeding and resale.

Nurzada, 24, is single. She is engaged in raising cattle. She hopes to obtain a loan and buy some items of furniture.

Janatkul, 40, has three children. Her husband is a farmer. She stays at home and looks after cattle. Janatkul hopes to get this loan and buy coal.

Dilbar, 57, is the mother of three children. Her husband is an inspector at the market. She is a housewife. Dilbar keeps some cows and sells milk. She needs a loan to buy furniture.

--- 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 81
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,919,875
    Funds lent in using Kiva
  • 44.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Guljan's Group's $1,250 loan helped a member to purchase coal for the rest of the winter season.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 15, 2009
Jan 14, 2010
Currency Exchange Loss:
Aug 11, 2010