Janylkan M., 34, is married and is the mother of two school-age children: her daughter is 15 and her son is 12. She’s been married to Emilbek Risbaev for fifteen years. Janylkan is a very persistent, honest and optimistic woman who strives hard to provide her children with everything they need.
Janylkan works in wholesale and retail sales of vegetables and her husband supports her business by collecting goods from different regions. In the summer, when some kinds of goods perish more quickly, Janylkan works day and night to provide good-quality products to her loyal customers.
Janylkan started her business in 2000 with the sum of 1,000 KGS. Now, she earns the sum of 15,000 KGS monthly, which allowed her to purchase a small house in Sokuluk village (near Kyrgyzstan, the capital).
In May, 2010, Janylkan had a car accident and was injured - she hit her head and got a scar on her face. She spent a lot of money for surgery and treatment, which led to a decrease in her working capital. In spite of these complications, she is moving forward and applying for a loan. Using this loan, she plans to increase her current capital in order to purchase carrots to sell wholesale. It will allow her to reach the business level that she had before the accident.
In the future, Janylkan wants to buy a truck to deliver her products in a cheaper and easier way. She also plans to buy sheep for fattening and resale. These investments will help her to support her children and give them a good education.
About Bai Tushum Bank CJSC
Bai Tushum Bank CJSC is a microfinance bank in Kyrgyzstan offering clients a range of products including loans for business development, trade, production, leasing, mortgage, consumption and more. Its portfolio is mostly comprised of group loans that cater to the broadest population of clients. Kiva lenders’ funds help the bank expand its services in remote areas to impact even more vulnerable communities in Kyrgyzstan.