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Burul's Group
In this Group: Burul, Ryskul, Meerim, Azamat
Burul A. is the leader of the group. Burul is from Balykchi. She lives with her two sons. Several years ago she lost her husband. Since then, she had to provide for her children and educate them by herself. Now her children are grown. The eldest son is temporarily unemployed, and younger, found work at a bakery. To provide for the family at the age of fifty-five, Burul works in a city hospital as a nurse and receives a monthly salary of three thousand Som ($68) per month. As she has a long history of employment, she is also entitled to receive a pension of fifteen hundred Som ($34) per month. She was even able to turn her hobby into a source of income. In her free time, she makes close to fifteen hundred Som ($34) sewing national, cultural products. She learned this craft while she was at school. She could not imagine at that time that the skill would prove useful in the future. The customers come to her home to place orders. Burul is asking for a loan to help her son start his own business. He shared with her his plans to start his business of selling plastic bags. Burul believes that her son will be successful at this business, and will be able to make a profit. Later, Burul and her son want to open a permanent point of sale stand of such packages.

Burul has three partners in the group:

Ryskul Bayakeevoy is forty-three years old and has two children. The eldest son is studying in the university, and the youngest daughter, a schoolgirl. Her husband works as a truck driver. Ryskul works as a clerk in the store, which belongs to her relatives. Ryskul is asking for a loan to purchase goods to sell in the same store.

Meerim Zhuzubakunovoy is twenty-three years old. She is single and currently unemployed. Meerim wants to do trade in socks and hosiery. She would like to purchase goods in Bishkek and sell to shops Balykchi. To be able to do this, she is asking for a loan.

Azamat K. is twenty-two years old. He is married and has one son. Azamat would like to sell plastic packaging materials. Currently, he sings in a cafe with his friends and makes close to three hundred Som per day. He is asking for a loan to purchase goods.

View original language description ↓
Арпачиева Бурул – лидер данной группы. Бурул – из г. Балыкчи. Она живёт с двумя сыновьями. Несколько лет тому назад она потеряла мужа. С тех пор ей одной пришлось воспитывать детей, расти их и давать образование. Сейчас дети уже подросли. Старший сын временно безработный, а младший, устроился работать в пекарню. Чтобы обеспечивать семью, Бурул в свои пятьдесят пять лет работает в городской больнице санитаркой и получает за это ежемесячную зарплату в размере трёх тысяч ($68) сомов. Так как она имеет многолетний стаж работы, она параллельно получает пенсию в размере полтора тысячи ($34) сомов. А также она нашла себе приемлемое занятие, которое позволяет ей зарабатывать деньги в свободное от работы время, даже не выходя из дому. Она шьёт национальные изделия, продажа которых приносит ей ежемесячно около полтора тысячи ($34) сомов. Это ремесло Бурул освоила еще, будучи школьницей. Тогда она и представить себе не могла, как это ей пригодится в будущем. Клиенты Бурул сами приходят к ней домой, и делают заказы. Бурул обратилась за кредитом, чтобы помочь сыну начать собственное дело. Он поделился с ней планами начать бизнес с торговли полиэтиленовыми пакетами. Бурул уверена, что сын хорошо устроит этот бизнес, и будет получать неплохую прибыль. В дальнейшем Бурул с сыном хотят открыть постоянные точки реализации таких пакетов.

У Бурул три партнёра по группе:

Баякеевой Рыскул сорок три года. У Рыскул двое детей. Старший сын учится в институте, а младшая дочь –школьница. Муж Рыскул работает водителем грузового авто. Сама Рыскул устроилась работать продавщицей в магазине, который принадлежит родственникам. Рыскул нуждается в кредите. Она хочет приобрести товар и реализовывать его в том же магазине.

Жузубакуновой Мээрим двадцать три года. Она не замужем и в данное время нигде не работает. Мээрим хочет заняться торговлей чулочно – носочными изделиями. Она хочет закупить товар в Бишкеке и сдавать в магазины г. Балыкчи. Для этого она и обратилась за этим кредитом.

Каныкееву Азамату двадцать два года. Он уже женат и у него есть один сын. Азамат планирует заняться торговлей рулонными пакетами. В данное время он поёт в кафе со своими друзьями и зарабатывает в среднем триста сомов в день. Ему 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:

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
  • $10,761,025
    Funds lent in using Kiva
  • 44.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Burul's Group's $475 loan helped a member to help her son to open his own start-up business of trade in plastic bags.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 25, 2010
Feb 3, 2010
Currency Exchange Loss:
Aug 15, 2010