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Gulziya's Group
In this Group: Gulziya, Saltanat , Munara, Mira
The lives of ordinary people seem to be as ordinary as the appearances of those people. However, we are not able to see the daily struggle of these people to earn their daily bread. Behind their usual expressions is hidden spiritual strength – determination to survive and achieve success in life.

The heroes of our story are ordinary people but, given their mindsets and views, these people deserve special consideration. Gulziya U. is the leader of this group. She is 57 and has raised four children. Her husband works as a school teacher. Gulziya is also a school teacher but, besides that, she works in cattle breeding. Gulziya has long experience in raising cattle (12 years) and therefore does not have any difficulties in combining the two jobs. On the contrary, she is eager to work even harder as there are many things to be done.

Gulziya always strives to improve her family’s living conditions. As soon as they obtained a piece of land from the state, she did not think twice and quickly started keeping cattle. After fattening the cattle, she is reselling them and buying more. Now her joint monthly income comes to around $211. Considering her initial investment of $45, she is doing pretty well! Gulziya hopes to obtain this loan to purchase fuel and sugar for making jam. Gulziya has many plans for the future. Very soon, she is going to make a grand repair of her house.

Gulziya's partners:

Saltanat A., 31, has two children. Her husband is occupied with farming and Saltanat sells vegetables and fruits. She needs a loan to pay for hay-cutting and tractor services.

Munara J., 44, is the mother of three children. Her husband is a farmer. Munara works as a school teacher and is also engaged in farming. Munara needs this loan to purchase cattle for breeding.

Mira B., 34, has two children. Together with her husband, she works at a gas station as an operator. Mira has applied for this loan to buy metal roofing for her house.


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 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 - Mol Bulak Finance 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
  • 59
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,295,000
    Funds lent in using Kiva
  • 46.1
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Gulziya's Group's $1,200 loan helped a member to purchase fuel and sugar for making jam.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 15, 2010
Jun 25, 2010
Currency Exchange Loss:
Jan 15, 2011