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Kumushay's Group
In this Group: Kumushay, Elmira, Burulush, Rahatbek, Almaz
The heroes of our story are citizens of the town of Balykchi. They consistently put forth huge efforts in order to lead a decent life. Some of them are the only providers for their families. Kumushay A. is the leader of the group. She is a mother of three children: two sons and one daughter. All of the children attend universities, and the huge burden for paying their education contracts lies on the shoulders of Kumushay and her husband. In order to provide the children with education, Kumushay took out a loan in the sum of five thousand som ($100) in 2001 and started selling various goods (seeds, chewing gum, candy, etc.) at a store that she opened together with her husband near their home. She was fortunate to have the store near a school. The sales were very good, and soon Kumushay and her husband were able to increase the goods turnover to twenty thousand som ($450). Their current net monthly profit from the sales is from five to six thousand som. Her husband and daughter primarily work at the store now. Kumushay found a salesperson job at a pharmacy opposite a hospital and receives a salary in the sum of four thousand som ($90). She needed means to increase goods turnover and merchandise variety at their store. This is why she requested this loan.

Her group partners are:

Elmira B. is forty-five years old. Her husband works as a security guard. Elmira has three children, two of whom attend universities. Elmira works as a cook at a café. She needs a loan in order to repay a debt for son’s education. Her son is in his first year of a law academy.

Burulush B. is fifty-four years old. She is a mother of two children. The children are already grown and earn their own living. The son is involved in livestock sales, and Burulush makes national goods to-order. She has consistent customers. Burulush needs a loan to help her son buy several sheep for resale.

Rahatbek Dyushenov is thirty-five years old. His wife is a homemaker, and this is why he is mainly responsible for supporting the family. Rahatbek is involved in agriculture. He buys livestock, fattens it and resells it. He requested this loan because he wants to purchase household appliances.

Almaz J. is thirty-two years old. He has one six-year-old son. In order to provide for his family, Almaz provides taxi services throughout the town using his own car. He is able to make around five-six thousand som per month. Almaz needs this loan in order to repair his car.
View original language description ↓
Герои нашей истории – жители города Балыкчи. Они неустанно прикладывают огромные усилия, чтобы вести достойную жизнь. Некоторые из них являются единственными кормильцами своих семей. Алиева Кумушай – лидер группы. Кумушай – мать троих детей: двоих сыновей и одной дочери. Все дети учатся в ВУЗах и на плечах Кумушай и её мужа лежит огромное бремя платить контракт за обучение троих детей. Чтобы дать детям образование, в 2001-году Кумушай получила кредит в сумме пяти тысяч сомов ($100), и начала торговать штучными товарами (семечками, жевательными резинками, конфетами и т.д.) в магазинчике, который она вместе с мужем открыли возле своего дома. Кумушай очень повезло, так как магазинчик находился вблизи от школы. Торговля пошла довольно бойко, и вскоре им удалось увеличить товарооборот до двадцати тысяч сомов ($450). Сейчас чистая прибыль от продажи составляет от пяти до шести тысяч сомов ежемесячно. Сейчас торговлей занимаются в основном её муж и дочь. Сама же Кумушай устроилась реализатором в аптеку напротив поликлиники и получает зарплату в размере четырёх тысяч сомов ($90). Кумушай понадобились средства для увеличения товарооборота и ассортимента товара в их магазине. И с этой целью она и обратилась за этим кредитом.
Партнёры по группе:

Байчороевой Элмиресорок пять лет. Муж Элмиры работает охранником. У Элмиры трое детей. Двое из них учатся в университетах. Сама Элмира работает поваром в кафе. Элмире нужен кредит, чтобы погасить задолженность за обучение сына. Сын учится в юридической академии на первом курсе.

Бектургановой Бурулуш пятьдесят четыре года. Она – мать двоих детей. Дети уже выросли и сами зарабатывают себе на жизнь. Сын занимается перепродажей скота, а сама Бурулуш изготавливает национальные изделия на заказ. У неё имеются постоянные клиенты.Бурулуш нужен кредит, чтобы помочь сыну купить несколько баранов для перепродажи.

Дюшенову Рахатбеку тридцать пять лет. Жена Рахатбека является домохозяйкой и поэтому поиском пропитания занимаетс я в основном муж. Рахатбек занимаетс я фермерским хозяйством. Покупает скот, откармливает и перепродаёт. Рахатбек обратился за кредитом, так как хочет приобрести бытовую технику.

Жакыбалиеву Алмазу тридцать два года. У Алмаза один шестилетний сын. Алмаз, чтобы прокормить семью таксует по городу на своей машине и ему удаётся заработать около пяти – шести тысяч сомов в месяц. Сейчас Алмазу нужен кредит, чтобы отремонтировать машину.

--- 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
  • 87
    View loans »
    Kyrgyzstan Loans Fundraising
  • $9,455,600
    Funds lent in using Kiva
  • 44.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Kumushay's Group's $1,700 loan helped a member increasing goods turnover and merchandise variety.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 9, 2010
Listed
Mar 16, 2010
Currency Exchange Loss:
Possible
Ended:
Oct 15, 2010