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Siyagul's Group
In this Group: Siyagul, Rahat, Munara, Adylbek
If you ask any person about what he expects, you usually get an answer that he or she hopes to finish school, go to college, find a good job, gradually get promoted and become a boss. However, this ideal path awaits not everybody. And whoever it would be, a person has to be ready to any turn and any situation. The strong people do not expect or dream much about less probable things and just use the best use of the opportunities that life presents for them.

Siyagul is the leader of this group. Siyagul lives in Tokmok, which is located in the north of Kyrgyzstan, near the border with Kazakhstan. She is fifty-two and has a son. Her son is a grown–up and works in the local municipality. He lives separately from his parents as he has already got an accommodation for himself. Siyagul and her husband are engaged in cattle breeding. They have been doing this for the last fifteen years and have increased the total population of their livestock. Siyagul has decided to apply for a loan as she is in need of some funds to invest in purchasing 4 sheep for feeding. As the spring is approaching, it is the most suitable time to make such purchases.

Siyagul’s partners are:

Rahat is twenty-nine. Her spouse provides for the family by working as a taxi driver. Rahat is a mother of two children. She also trades in electric supplies. She has two spots at the local market. Rahat manages to earn about $570 a month. She hopes to obtain this loan and buy more electric goods.

Munara is thirty-five. She has two sons. Together with her husband, Munara keeps cattle, and on weekends they sell cattle in the market. Munara has applied for this loan as she hopes to buy some more cattle for feeding and resale.

Adylbek is forty-three. Adylbek’s wife is a saleswoman. They have three children. Adylbek owns a container and also trades in consumer goods. They hope to obtain this loan and invest it in purchasing goods.

--- 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 their 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 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 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
  • $11,317,750
    Funds lent in using Kiva
  • 44.6
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Siyagul's Group's $1,575 loan helped a member to purchase 4 sheep for feeding.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 2, 2010
Feb 28, 2010
Currency Exchange Loss:
Sep 15, 2010