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Aygul's Group
In this Group: Aygul, Perisat, Ayshirin , Rosa
Aygul A., the leader of this group, is a model of open-mindedness and creativity. Multilevel marketing is not very popular in Kyrgyzstan although there are still a lot of well-known companies such as Faberlic, Avon and Oriflame, which promise a better future for those who have a burning desire. With 3,000 KGS ($68) in her pocket, Aygul decided to join this business. She was very ambitious and she did succeed. Now she wants to get a loan to increase her sales by buying cosmetics because the spring holiday season is coming, which is the best time to sell. Aygul is 38 and married to a farmer. They have three children: two daughters and a son. Nuura, 15, is in 8th grade at a local school. The middle daughter is in 2nd grade at the same school and the youngest is at home. Aygul, in the near future, wants to increase her turnover and send her eldest daughter to get a higher level of education.

Perisat J. is 30 and married to a farmer. She has four children: two daughters and two sons. In 1996, she and her husband sold their car for 50,000 KGS ($113) and invested all their money in livestock. Now their revenue is 6,000 KGS ($136). They would like to get a loan to buy two small cattle for resale.

Ayshirin O. is 39 and a determined woman. She is married to an engineer and has a daughter and twin sons. They all attend school. She works as an equipment operator in a shop. Her future plan is to buy a house. She would like to get a loan for housing improvement.

Rosa D. is 57 and married. She has six children, now adults, most of whom live independently. Her youngest child lives at home and attends school. Her eldest son, 24, lives with her and buys cars for spare parts. In 2009, he started with 20,000 KGS ($454) and bought a car in order to sell its spare parts. Now their revenue is 3,000 KGS ($68). They would like to get a loan to buy spare parts. In the future, they are planning to increase turnover and open an auto service.

--- 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
  • 84
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,751,450
    Funds lent in using Kiva
  • 44.3
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Aygul's Group's $425 loan helped a member to buy cosmetics.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 26, 2010
Mar 9, 2010
Currency Exchange Loss:
Sep 15, 2010