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Kalbubu's Group
In this Group: Kalbubu , Indira , Jibek , Oksana
Some years ago, Kalbubu U. did not think that life would be difficult or that she would have to fight for a place in the sun. However, after both her and her husband were fired from their highly paid jobs, they both faced many difficulties. They had to do something to survive and move on. Understanding their troubles, Kalbubu's parents gave them a cow. This was the first step in making their life better. Ten years ago, after receiving that great “gift”, they started a business milking the cow and selling the milk. Day by day, the family's budget increased. Now, after coming up the hard way, they have daily bread.

Kalbubu is now 42 and a brilliant mother of two children. The eldest is 20 and, in order not to be a burden to his parents, works for a company that produces national soft drinks as kymyz, ayran and shoro (cultured Kyrgyz milk drinks). The younger child is 14 and goes to the local school – he is a smart and hardworking boy who helps his parents with the chores. Together, the family raise cattle and Kalbubu's husband does a portage. Their profit in total is 11,500 KGS. At the moment, they are planning to renovate their house. Kalbubu is requesting a loan to buy a bull-calf for fattening and selling later.

Indira K. is 35, married, and the marvelous mother of three children. Her husband works on the railways. Her elder son is 16 and studies at college, her daughter attends the local school, and she also has a cute little son, who is 4. Indira fattens horses and sells them on. She started this business 16 years ago when her parents gave a foal to her first son as a birthday gift. Over time, she has increased her number of horses and has bought a car. She earns 7,000 KGS per month and is requesting a loan to buy calves for fattening and selling on.

Jibek M. is 37, widowed, and has three children. Her eldest son is 18 and has already graduated from a specialized school, her daughter is 16 and attends college, and her youngest son is 11 and goes to school. Her revenue from selling provisions is 7,000 KGS per month. However, she did not think that from selling a cow last year for 15,000 KGS, she would start a really good business. She is planning to help her children find jobs and save up some money for their marriages. She is requesting a loan to buy goods to increase turnover and the variety of goods she offers.

Oksana K. is 32 and married to a man who works in distillery as a mason. She has two daughters; the elder is 11 and the younger is 7. They both go to school. Oksana has an animal breeding business, fattening both sheep and bull-calves and then selling them. With a loan and initial capital of 100,000 KGS about 8 years ago, her revenue is now 9,500 KGS. She has bought a car and is planning to replace it in the future, and also wants to build a new house. She is requesting another loan to buy bull-calves for fattening and selling.

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 the 3-Ps concept: People (building human capital and taking care of its customers and 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 that 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 microfinance 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
  • $11,300,500
    Funds lent in using Kiva
  • 44.5
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Kalbubu's Group's $1,350 loan helped a member to buy a bull-calf for fattening and selling.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Feb 2, 2010
Feb 9, 2010
Currency Exchange Loss:
Aug 15, 2010