Ailarhon B. is the leader of this group. She’s forty-five years old and she begins her day at sunrise milking the cows. It is worthy to note, that her day job is teaching English at a local school. But fifteen years ago, together with her husband, she bought some livestock and began to breed cattle -- raising and milking it. Today her flock includes three heifers and three milking cows. This business brings in about five thousand soms a month, which is a very decent income in the countryside.
Ailarahon has four children. Her oldest daughter is studying at a university, her middle one just got married, and her youngest daughter helps her mother around the house and with the business. Her youngest child – her son – works construction.
Ailrahon is asking for a loan, because she plans to expand her business and buy another cow. In the near future she needs enough resources to fix up her house, buy new furniture and marry off her daughters. She understands that this will involve dedication and constant work.
She has three partners in the group:
Gairatbek P. is thirty-five years old, and the last ten of them he has fattened and sold livestock. He buys a bull, fattens it for about three months, and then resells it at the livestock market. He has three growing children, and so he needs to increase his income if he wants to meet the growing needs of his family. With the loan, he would buy a heifer to raise more cattle.
Tillyahan S. is forty-three years old and a mother of three children. Her main objective in life is to raise her children and help them get a good start in life. She’s retired right now and raises livestock and corn for a living. She’s asking for a loan to buy another cow.
Suyumkul U. is forty-seven years old. She also fattens and sells cattle for profit. She has four children, the oldest of which are already working, and the youngest is five years old. Suyumkul understands that any business requires investment and dedication. She’s requesting a loan to buy a cow and a calf.
Партнёры Айлархон по группе:
Гайратбеку Пиратову тридцать пять лет. Гайратбек уже десять лет занимается откормом и перепродажей быков. Он три месяца откармливает бычков, а затем реализует их на скотном рынке. У Гайратбека растут трое детей и поэтому ему надо увеличивать доход, чтобы покрывать растущие расходы семьи. Гайратбеку нужен кредит, чтобы купить тёлку для разведения.
Тилляхан Сарматовой сорок три года. Она – мать троих детей. Для Тилляхан самое главное это вырастить детей и помочь встать им на ноги. На данный момент она занимается животноводчтвом и выращиванием кукурузы. Она уже на пенсии. Получив этот кредит она хочет купить тёлку.
Суюмкуль Юсуповой сорок семь лет. Суюмкуль занимается откормом и перепродажей скота. У Суюмкуль четверо детей. Старшие дети уже работают, младшему сыну всего пять лет. Суюмкуль понимает, что любое дело требует постоянных инвестиций и вложений. Она хочет получить кредит и купить корову с телёнком.
--- 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.
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.
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Success!! The loan was 100% repaid