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Kalira's Group
In this Group: Kalira, Ayzada, Toktobu, Nurlan
Any businessman would never throw money into the wind, but instead strives to invest money into a good deal, so that the money earns an income. Sometimes it is this money that becomes a deposit for a prosperous future. These qualities and especially, the ability to guess the future, pragmatism and keen calculation, differentiate good businessmen from ignorant ones. It is interesting to know whether Kalira I., the leader of this group, imagined twelve years ago, when she, having saved money from her salary, bought a bull for fattening and subsequent resale, that in the future this business would become her primary source of income. Now Kalira is fifty-one years old. She no longer works at her job, but runs her business. She raised one son and several daughters. The son is already married and has children. Kalira leads an active life: she helps her husband and son take care of livestock and also helps raise the grandchildren. She has three children: two granddaughters and one grandson. The oldest two granddaughters are already in school, and the youngest grandson is only nine months old. Kalira watches how her grandchildren grow and wants to prepare a decent inheritance for them. Thanks to her livestock business, she was able to provide her children with an education and to marry off her daughters. Currently, her monthly income is four thousand seven hundred som ($100). She continues to help her children. And now Kalira requested a loan in order to pay for her daughter-in-law’s education.

Ayzada S. is twenty-eight years old. She went through a great test of endurance because now she has to raise four children by herself. Two of them are her daughters, and two others are her nephews. Ayzada is divorced. She breeds livestock and sells cows at the livestock market. Her income is four thousand nine hundred som.

Toktobu T. is fifty-one years old. Her husband sells auto parts at a market, and she is involved in animal husbandry and sells milk. She earns a little less than five thousand som from the animal husbandry business. Toktobu hopes to get the loan to purchase a cow in order to increase livestock headcount.

Nurlan S. is twenty-five years old. His wife is a homemaker. Nurlan is involved in passenger transportation. He used to work in Russia. He saved money there, bought a car and started the transportation business. Currently, his income is about six thousand som. He requested the loan in order to repair his car. Nurlan has two daughters. He set a goal to buy an apartment for his family.
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Любой бизнесмен, никогда не разбрасывает деньги по ветру, а стремится вложить средства в нужное дело, чтобы эти деньги не лежали, а приносили доход. Порой именно эти деньги и становятся залогом благополучного будущего. Эти качества, а именно умение предугадать будущее, прагматичность и тонкий расчёт, отличают хороших бизнесменов от невежд. Интересно представляла ли себе Калира Ибраималиева, лидер этой группы, двенадцать лет назад, когда, она, накопив деньги со своей заработной платы, купила бычка для откорма, чтобы затем перепродать его, что это занятие в дальнейшем станет её главным источником пропитания. Сейчас Калире пятьдесят один год. Она уже не работает в учреждении, а ведёт своё хозяйство. Она вырастила одного сына, и нескольких дочерей. Сын уже женат и имеет детей. Калира ведёт активный образ жизни. Она помогает мужу и сыну ухаживать за скотом, а также занимается воспитанием внуков, а их у неё трое: две внучки и один внук. Старшие две внучки уже ходят в школу, а младшему внуку всего девять месяцев. Калира наблюдает, как растут её внуки, и хочет подготовить для них достойное наследство. За счёт разведения скота, она дала детям образование и выдала дочерей замуж. Сейчас её ежемесячный доход составляет четыре тысячи семьсот сомов ($100). Она продолжает помогать детям. Вот и теперь Калира обратилась за кредитом, чтобы оплатить учёбу жены сына.

Айзаде Шерипбаевой двадцать восемь лет. Айзаду постигло большое испытание на прочность, так как сейчас она одна воспитывает четверых детей, из которых двое – её дочери, а двое других её племянники. Айзада – разведена. Она разводит скот, и продаёт бычков на скотном рынке. Её доход четыре тысячи девятьсот сомов.

Токтобю Текебаевой пятьдесят один год. Муж Токтобю торгует на рынке автозапчастями, а она сама занимается животноводством и продаёт молоко. За счёт скотоводства и продажи она зарабатывает чуть меньше пяти тысяч сомов. Токтобю надеется получить кредит, чтобы купить корову для увеличения поголовья.

Нурлану Шериппаеву двадцать пять лет. Жена Нурлана – домохозяйка. Нурлан занимается перевозкой пассажиров. Он работал в России. Там накопил деньги, купил машину и занялся перевозкой пассажиров. Сейчас его доход составляет около шести тысяч сомов. Он обратился за кредитом, чтобы отремонтировать машину. У Нурлана растут две дочери. И он поставил себе цель – купить квартиру для своей семьи.

--- 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
  • 82
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,779,400
    Funds lent in using Kiva
  • 45.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Kalira's Group's $1,225 loan helped a member paying for daughter-in-law's tuition.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 17, 2010
Listed
Apr 20, 2010
Currency Exchange Loss:
Possible
Ended:
Feb 15, 2011