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Baykarimova Gulnora`s Group
In this Group: Gulnorahon, Ravshanoy, Gulchehrahon, Muhtaram
Gulnorahon is 39 years old. She is married and is a mother of two sons. Her husband works as a construction worker. Her older son works in a factory for making of sugar and her younger son goes to school. She works with pre-school children and makes around $80US a month. Besides that the family does agriculture and breeding and resale of large cattle. The are asking for the loan to buy two heads of cattle.

Ravshanoy is a sister of Gulnorahon. She is also married and has three children. Her husband works as an accountant in the regional water reservoir. She works in the kindergarten as a caretaker. Her second daughter is entering a university this year and the loan will be used to pay for the tuition.

Gulchehrahon is 44 years old, she is married. She has two children, a son and a daughter. Her daughter is studying in a medical school and her son is in the eleventh grade of a secondary school (high school). Her husband works as a director of an oxygen factory. Gulchehra together with Ravshanoy work in the same kindergarten. At home they have a small business breeding livestock. The loan will be used to buy two calves.

Muhtaram is 48, she is married. Her husband works in Bishkek as a taxi driver. Muhtaram is also a caretaker in the kindergarten. She is asking for the loan to buy one calf for feeding. All of them are taking out a second loan, they know each other very well and all support one another.
View original language description ↓
Гулнорахон 39 лет. Она замужем и мать 2 сыновей. Ее супруг работает строителем-отделщиком. Старший сын работает в сахарнопесочном цехе, а младший сын учится в школе. Она сама работает с учениками дошкольных классов и зарабатывает в месяц около 80 долларов. Кроме этого семья клиента занимается разведением и перепродажей КРС. КРедит запрашивается для закупа 2 голов КРС.

Равшаной является родной сестрой Гулнорахон. Она также замужем и воспитывает 3 детей. Ее супруг работает бухгалтером в областном водном хозяйсте. Сама же работает в детском садике воспитателем. Ее вторая дочь поступает в ВУЗ в этом году и кредит будет использован для оплаты стоимости обучения.

Гулчехрахон, 44, замужем. У нее 2 детей: сын и дочь. Дочь учится в медицинском училище, а сын учится на 11 классе средней школы. Супруг работает начальником кислородного цеха. Гулчехра вместе с Равшаной работает в одном детском садике. Дома у них есть маленькое хозяйство по откорму живности. Кредит запрашивается для закупа 2 телок.

Мухтарам, 48, замужем. Ее супруг работает в Бишкеке частным таксистом. Мухтарам также воспитатель детского садика. Кредит запрашивается для закупа 1 бычка для последующего откорма.

Все они уже получают второй кредит, достаточно хорошо знают друг друга и всецело поддерживают.

--- 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
  • 93
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,001,375
    Funds lent in using Kiva
  • 44.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Baykarimova Gulnora`s Group's $1,500 loan helped a member to buy two calves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 18, 2010
Mar 20, 2010
Currency Exchange Loss:
Apr 15, 2011