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Karamatkhan's Group
In this Group: Karamatkhan, Tadjinisa, Iyris, Jyldyz
Kyrgyzstan is a mountainous country, with most of its territory spanned by beautiful mountain chains. Along the slopes and at the base of the mountains are some of the most glorious pastures. That’s why Kyrgyzstan has long been known for its cattle ranching. Even now, in the twenty-first century, the cattle business is an essential part of the country’s economy, with most of the population living in rural areas and working primarily in farming and cattle-raising. The subject of our story is also directly involved with this time-honored profession of the Kyrgyzstan people.

Karamatkhan T. is the head of her group. She and her family live in the city of Kara-Balta. She is thirty-one and has two pre-school-aged children, so for the time being she is not working and stays at home while her husband provides for the family. For many years, Karamatkhan and her husband saved up their money and bought cattle for resale. Over the past four years, cattle resale has become her family’s primary livelihood. The return on the resale comes to around eight-thousand som ($180) per month. And considering the fact that they are just starting out and have invested eighteen-thousand som ($450) in their business, their current income is quite impressive. Karamatkhan currently needs a loan so she can purchase cattle for resale. In the near future, they plan to buy a car and build a house.

She has three partners in her group:

Tadjinisa T. is thirty-three and has two sons. Her eldest is already in school. Her husband sells vegetable containers at the market. Tadjinisa helps her husband as much as she can while still raising the children. She requested the loan to buy vegetables for resale.

Iyris T. is forty-three and the mother of eight children. Her eldest daughter is married. One of her sons works in Bishkek and the younger children are in school. Iyris and her husband breed livestock and sell milk. They requested the loan because they’re in need of capital to buy sheep for breeding.

Jyldyz R. is forty-four and her husband works in Russia. She has four children; the eldest works in a sewing shop and the younger ones are in school. She raises cattle and sells milk. She hopes to receive a loan to buy beef for resale.

--- 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: http://www.kiva.org/about/aboutPartner?id=135

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 http://kiva.org/team/kyrgyzstan. Members will get special updates and news from the Kiva Fellows in Kyrgyzstan and Mol Bulak staff.
View original language description ↓
Кыргызстан – горная страна. И большинство её территории занимают красивые горные цепи, на склонах и подножьях которых расположены самые чудесные пастбища. И поэтому кыргызы испокон веков занимаются скотоводством, и даже сейчас в двадцать первом веке скотоводство, торговля скотом, является неотъемлемой частью экономики страны. Ведь большая часть населения живёт в сельской местности и в основном занимается сельским хозяйством и скотоводством. Так и герои нашей истории имеют прямое отношение к этому самому древнему ремеслу кыргызского народа. Таштанбекова Караматхан – лидер данной группы. Она вместе с семьёй живёт в г. Карабалта. Караматхан тридцать один год. У неё двое детей. Так как дети пока ещё дошкольного возраста, Караматхан пока не работает и находится дома и обеспечением семьи занимается муж. В течение многих лет муж Караматхан и сама Караматхан бережно копили средства и на эти сбережения купили скот для перепродажи. И уже на протяжении четырёх лет, перепродажа скота является основным источником пропитания для семьи Караматхан. Доход от перепродажи составляет около восьми тысяч сомов ($180), в месяц. И учитывая тот факт, что они в начале, вложили в бизнес восемнадцать тысяч сомов ($450), то их нынешний доход является довольно внушительным. За последнее время им даже удалось купить мебель и бытовую технику. Сейчас Караматхан нуждается в кредите, чтобы купить скот для перепродажи. В ближайшем будущем они планируют купить автомобиль и построить дом.

У Караматхан три партнёра по группе:

Тургунбаевой Тажинисе тридцать два года. У Тажинисы двое сыновей. Старший сын уже начал ходить в школу. Муж Тажинисы торгует на рынке ящиками для овощей, а сама Тажиниса по возможности помогает мужу и параллельно занимается воспитанием детей. Тажинися обратилась за кредитом, чтобы закупить овощи для перепродажи.

Турганбаевой Ырысбу сорок три года. Ырысбу мать восьмерых детей. Старшие дочери замужем. Один сын работает в Бишкеке, а младшие дети учатся в школе. Ырысбу вместе с мужем занимаются животноводством и продажей молока. Они обратились за кредитом, так как им сейчас нужны средства, чтобы купить овец для разведения.

Разакуловой Жылдыз сорок два года. Муж Жылдыз работает в России. У Жылдыз четверо детей. Старшие сыновья работают в швейном цехе, а младшие учатся в школе. Жылдыз имеет скот и продаёт молоко. И теперь она надеется получить кредит и купить корову для перепродажи.

--- 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: http://www.kiva.org/about/aboutPartner?id=135

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 http://kiva.org/team/kyrgyzstan. 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

  • $2,100
    Average annual income
  • 223
    View loans »
    Kyrgyzstan Loans Fundraising
  • $9,814,975
    Funds lent in using Kiva
  • 44.6
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Karamatkhan's Group's $1,350 loan helped a member to buy cattle for resale.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 5, 2010
Listed
Feb 28, 2010
Currency Exchange Loss:
Possible
Ended:
Aug 15, 2010