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Samarkul's Group
In this Group: Samarkul , Azamat , Almagul , Aijamal
The heroes of this story are ordinary people in their communities having lives which are no different from the lives of other citizens. And still there is a distinction. This distinction comes from their intentions and an attitude they have toward their lives.

Samarkul T. is 56 years old. She is a widow and mother of 5 children. Her three daughters are married, one daughter is divorced, and her son works in a factory. Samarkul earns her livelihood by trading in convenience goods at market.

Ten years ago she started selling eggs and then switched to selling convenience goods. The trade appeared to be successful and she started to make profits. These profits allowed her to marry her daughters and son.

Now, her monthly income is around 165 USD. For Samarkul nothing is in her way to go forward and expand her trade. She has executed her obligation as a parent to marry them and help them get on their feet. Samarkul could easily have rested at home and enjoyed her old age looking after her grandchildren. Instead she decided to keep working. Moreover she has an intention to buy a pavilion. Now she needs a loan to purchase goods.

Samarkul’s partners are:

Azamat J. U., 19, is the youngest member of the group. He started his business as early as two years ago, when his mother bought two sacks of potatoes. Since then he has been making his own living and even providing for his little sister. Azamat trades in vegetables and needs a loan to buy an iron pavilion.

Almagul O., 56, has four children. She and her husband trade in vegetables at the market. The eldest son works and the rest either go to college or to school. Almagul needs this loan to purchase vegetables and increase the turnover.

Aijamal N., 28, is single. She is engaged in cattle breeding and selling milk. With the help of her father she bought a cow and since then started raising livestock. Her monthly income is about 70 USD. Aijamal needs a loan to purchase packages for sale.

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 the 3-Ps concept - People (building human capital and taking care of its customers and the society as well), Profit (to be profitable in order to grow further) and the Planet (taking care of the environment).

It is also the only MFI in Kyrgyzstan that 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 from 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
  • $10,761,025
    Funds lent in using Kiva
  • 45.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Samarkul's Group's $1,475 loan helped a member to increase the stock of convenience goods for sale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 19, 2010
Apr 8, 2010
Currency Exchange Loss:
Aug 15, 2010