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Gulbayra's Group
In this Group: Gulbayra, Dinara, Janyl, Irisbubu, Bolgonay
Gulbayra S. is the leader of this group. She has reached an old age, and specifically, she is already fifty years old. However, Gulbayra is no hurry to rest. Her three children have become adults a long time ago. The oldest son is single and works at a company in Bishkek, and the daughter is married. The youngest son is also single and works at a furniture factory. Having such good children, any mother would have preferred to stay home and rest. But this is not Gulbayra’s calling. She spends and has spent her life in a water funnel of everyday life, in hard work. Currently, she sells livestock at the livestock market. Gulbayra started her business five years ago, when she and her husband fattened and sold one bull and put the profit into turnover. Now, Gulbayra is primarily involved in the business, but always uses her husband’s support. He works at a school. And just like many employees in this field, her husband’s salary is not high at all. Thanks to Gulbayra’s business, they live fairly well. Gulbayra achieved a lot over the years: bought a plot of land in Bishkek (capital of Kyrgyzstan) to be used for construction, married off her daughter. Her monthly income is about five thousand som ($110). Gulbayra decided to request a loan because she wants to buy two bulls for resale. In the future, she plans to marry off her sons, build a house and expand the business by increasing the livestock headcount.

Gulbayra has four partners in the group:

Dinara B. is thirty-seven years old. She is a widow and has two daughters, both of whom attend school. Dinara works as a system administrator at the city registry. She wants to obtain this loan in order to buy an electric oven, DVD player and vacuum cleaner.

Janyl M. is fifty-two years old. Her husband is a specialist at the city registry. And Janyl sells merchandise at a store. She has three sons, two of whom still live with their parents. Janyl wants to obtain the loan and buy two bags of sugar for resale.

Yrysbubu K. is sixty-seven years old. She and her husband are retired. Current life, however, showed that a person with desire and will can become whoever she wants to be at any age. Yrysbubu is a businesswoman. She sells cattle and horses. She needs the loan to buy three sheep.

Bolgonay T. is fifty-five years old. She raised six children, all of whom are grown and lead independent lives. Bolgonay still works. She makes women’s knitwear to-order. She hopes to obtain the loan and purchase thirty rolls of knit thread.
View original language description ↓
Сагындыкова Гульбайра – лидер данной группы. Гульбайра уже достигла преклонного возраста, а именно ей уже пятьдесят лет. Однако Гульбайра не спешит на покой. Её трое детей давным давно взрослые люди. Старшый сын холост, работает в фирме в Бишкеке, а дочь замужем. Самый младший сын также пока не женат и работает в мебельном цехе. Имея таких детей любая мать предпочла бы сидеть дома и отдыхать. Но это не стихия Гульбайры, которая всю жизнь находиться и любит находиться в водовороте повседневной жизни, в труде. На данный момент она продаёт скот на скотном рынке. Гульбайра начала свой бизнес пять лет назад, когда она вместе с мужем откормили и продали одного бычка, а вырученные деньги пустили в оборот. Сейчас бизнесом занимается в основном сама Гульбайра, но постоянно пользуется поддержкой мужа. Муж Гульбайры работает в школе. И как у всех работников этой сферы у её мужа не совсем высокая зарплата. И благодаря деятельности Гульбайры им живётся довольно – таки неплохо. За эти годы Гульбайра достигла многого: купила участок земли под застройку в г. Бишкек (столица Кыргызстана), выдала дочь замуж. Её ежемесячный доход составляет около пяти тысяч сомов ($110). Гульбайра решила обратиться за кредитом, так как хочет купить двух бычков для перепродажи. В будущем она планирует женить сыновей, построить дом, и расширить бизнес за счёт увеличения поголовья скота.

У Гульбайры четыре партнёра по группе:

Бейшембаевой Динаре тридцать семь лет. Она вдова. У Динары две дочери. Обе учатся в средней школе. Динара работает системным администратором в госрегистре. Динара хочет получть этот кредит и купить электропечь, DVD плейер и пылесос.

Малчиевой Жаныл пятьдесят два года. Её супруг – специалист в Госрегистре. А сама Жаныл реализует товары в магазине. У Жаныл трое сыновей. Двое из них до сих пор живут с родителями. Жаныл надеется получить кредит и купить два мешка сахара для перепродажи.

Кадыровой Ырысбубу шестьдесят семь лет. Ырысбубу и её муж – пенсионеры. Но современная жизнь показала, что человек при желании и воли может стать кем захочет в любом возрасте. Ырысбубу – бизнес леди. Она продаёт крупнорогатый скот и лошадей. Ей нужен кредит, чтобы купить трёх баранов.

Токомбаевой Болгонай пятьдесят пять лет. Болгонай вырастила шестерых детей. Все дети уже выросли и устроились в жизни. Болгонай до сих пор трудится. Она производт женскую трикотажную одежду на заказ. Она надеется получить кредит и купить тридцать мотков трикотажной нити.

--- 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

  • $2,500
    Average annual income
  • 167
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,542,725
    Funds lent in using Kiva
  • 44.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Gulbayra's Group's $1,600 loan helped a member purchase of two bulls for resale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 5, 2010
Listed
Mar 18, 2010
Currency Exchange Loss:
Possible
Ended:
Oct 15, 2010