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Kurmanbayeva Jumagul`s Group
In this Group: Jumagul, Rahat, Nurzat, Zamirbek
Jumagul is the leader of this group. She's thirty-two years old, married and has one daughter. Her husband works as a salesperson in the city of Taraz, Kazakhstan. Jumagul sells livestock on the local market. On average, her weekly turnover is 20000 soms. That mainly includes four cows and ten sheep. Half of the loan will be used to start a new bussiness selling socks, and the other half will be invested in the current bussiness. In the future, Jumagul plans to increase her weekly turnover to 100000 soms.

Nurzat, 19, is'nt yet married but plans to in the near future. She lives with her mother and three brothers. After finishing school, Nurzat wanted to continue her education in college, however, due to the lack of money, she was forced to postpone her dream and begin working. Her family owns a plot of land, where they grow wheat, corn and sunflower seeds. With the profits from their bussiness, she was able to pay for college and is studying to become an economist. The loan will be used to purchase two cows. After finishing college, she plans to find a job in one of the local banks.

Zamirbek is thirty-five years old. He has a wife and two children. His wife is a housekeeper. Zamirbek sells rice in Ozgen. It should be noted that Ozgen rice is praised well beyond the borders not only of the region but of Kyrgyzstan as well. The loan will be spent on purchasing 100 kilograms of rice and two sheep.

Rahat is thirty-five years old, married and is a mother of three children. Her husband works as a taxi driver on a local route. Rahat grows sunflower seeds, rice and millet. Her field is located close to her house which is very convenient. With the loan she plans to obtain 300 kilograms of millet seeds and fertilizer for the spring sowing.
View original language description ↓
Жумагул является лидером этой группы, ей 32 года, замужем и мать 1 дочери. Супруг в данное время занимается торговой деятельностью в городе Тараз, Казахстан. Жумагул занимается перепродажей скота на местном рынке. В среднем каждую неделю ее товарооборот составляет 20 000 сом. В обороте у нее 4 коровы и 10 овец. Половина кредита будет использована для того, чтобы начать новый бизнес, а именно реализацию носков, оставшаяся часть инвестирована в текущий бизнес. В будущем она планирует довести еженедельный товарооборот до 100 000 сомов.

Нурзат 19, пока не замужем, но собирается в скором будущем. Она живет вместе с матерью и 3 братами. После окончания школы, Нурзат хотела продолжить образование в ВУЗе, однака из за отсуствия денег, ей пришлось ненадолго отложить свою мечту и занятся бизнесом. У ее семьи есть земельный надел, где они выращивают пшеницу, кукурузу, семечки. За счет дохода от сельского хозяйства она смогла оплатить стоимость образования и поступила в экономический факультет. Кредит будет использован для закупа двух коров для дальнейшей отправки на пастбище. После окончания ВУЗа, она планирует устроится на работу в один из местных банков.

Замирбеку 35 лет. Он женат и имеет 2 детей. Супруга домохозяйка. Замирбек занимается реализацией риса в Узгене. Стоит отметить, что узгенский рис славится далеко за пределами не только области, но всего Кыргызстана. Кредит будет использован для закупа 100 кг риса, а также чтобы купить 2 овца.

Рахат 35 лет, она замужем и мать 3 детей. Супруг работает таксистом по местному маршруту. Сама она занимается сельским хозяйством, а именно выращиванием семечек, риса, пшена. Собственный земельный надел расположен недалеко от ее дома, что очень удобно. Кредит будет использован чтобы купить 300 кг семена пшена, а также удобрения для весеннего посева.
--- 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
  • 72
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,315,525
    Funds lent in using Kiva
  • 44.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Kurmanbayeva Jumagul`s Group's $1,025 loan helped a member 50% of loan will be used to start up new business: socks trade, other 50% for animal sales.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 5, 2010
Feb 8, 2010
Currency Exchange Loss:
Mar 15, 2011