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Raima's Group
In this Group: Raima, Busarahan, Gulsorahon, Venera
Almost twenty years have passed since the day when Kyrgyzstan declared its independence. Many rulers and country's political elites have changed over these years. All of them tried to renew and modernize the country. But due to the lack of political will, patience or maybe simply lack of sincerity, all of their efforts were doomed to fail. As a result, no new manufacturing sites were built in Kyrgyzstan, and those that existed stopped functioning. Under these conditions, the cleverest people understood that their own business will save them from unemployment.

Raima J. is the leader of this group. She is fifty-two years old. Raima and her husband raised two children. The oldest son is twenty-eight, and the daughter is twenty years old. Raima's husband works as manager of Traffic Operation Company, and Raima is involved in animal husbandry and selling milk. Previously, she was a homemaker and stayed home, however, one day they were given a cow as a gift for their son's wedding. Since then, Raima started to take care of livestock. Ten years have passed since then, and thanks to joint efforts of Raima and her husband, they were able to repair their home, buy a refrigerator and marry off their daughter. Currently, Raima earns close to three thousand som monthly from sales of milk. She wants to increase her income. She hopes to obtain a loan for this purpose and buy sheep for fattening. Raima is confident in her decision to expand her business and dreams of building a house for her son in the future.

Raima's group partners are:

Busarahan H. is fifty-two years old. She grows cotton. Her daughter helps her in this difficult business. One of her sons works in Russia, another is a salesperson at a store, and the youngest son goes to school. Busarahan's husband works as a construction worker. She requested this loan because she needs to buy mineral fertilizers.

Gulsorahon M. is forty-four years old. Her husband had to go to Russia for work. Gulsorahon stayed home with three children. She is involved in growing cotton and other agricultural crops. She hopes to obtain this loan in order to buy mineral fertilizers.

Venera H. is only eighteen years old. She is not yet married. Venera is involved in business, specifically reselling sheep. Besides this, she has permanent job at a cafeteria. Venera decided to request this loan because she plans to buy sheep for breeding.
View original language description ↓
Со дня обретения Кыргызстаном независимости прошло около двадцати лет. За эти годы сменилось множество руководителей и политических элит страны. Все они пытались обновить страну и сделать её современной. Но в силу отсутствия политической воли, терпения, а может быть просто искренности в своих намерениях, все их усилия были обречены на крах. В результате в Кыргызстане так и не было построено новых промышленных объектов, а те которые уже существовали, перестали функционировать. В таких условиях, более расторопные люди поняли, что их от безработицы спасёт всё то - же натуральное хозяйство.
Райма Жусупова – лидер данной группы. Ей пятьдесят два года. Райма с мужем вырастили двоих детей. Старшему сыну двадцать восемь, а дочери двадцать лет. Муж Раймы работает начальником ДЭПа, а Райма – занимается животноводством и продажей молока. Будучи домохозяйкой, Райма находилась дома, но однажды на савдьбу сына им подарили корову. Тогда Райма и начала ухаживать за скотом. С тех прошло уже десять лет и благодаря совместным усилиям Раймы и её мужа, им удалось провести дома ремонт , купить холодильник и выдать дочку замуж. Сейчас Райма от продажи молока зарабатывает около трёх тысяч сомов ежемесячно. Она хочет увеличить свой доход. Для этого она надеется получить этот кредит и закупить овец для откорма. Райма твёрдо намерена расширить свой бизнес и в будущем мечтает построить дом для своего сына.
Партнёры Раймы по группе:
Бусарахан Хайдаровой пятьдесят два года. Бусарахан выращивает хлопчатник. В этом нелёгком деле ей помогает дочь. Один из её сыновей работает в России, другой – продавец в магазине, и самый младший сын ходит в школу. Муж Бусарахан работает строителем. Бусарахан обратилась за кредитом, так как ей необходимо приобрести минеральные удобрения.
Гульсорахон Муминовой сорок четыре года. Мужу Гульсорахон пришлось уехать в Россию на заработки. Гульсорахон осталась дома с тремя детьми. Гульсорахон занимается выращиванием хлопка и другой сельхоз продукции. Гульсорахон надеется получить этот кредит, чтобы закупить минеральные удобрения.
Венере Халиковой всего восемнадцать лет. Она ещё не замужем. Венера занимается бизнесом, а именно перепродажей овец. Кроме того, у неё есть постоянная работа в столовой. Венера решила обратиться за этим кредитом, так как собирается купить овец для разведения.

--- 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:

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 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
  • 73
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,941,475
    Funds lent in using Kiva
  • 46.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Raima's Group's $1,300 loan helped a member purchase of sheep for fattening.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jun 30, 2010
Jul 19, 2010
Currency Exchange Loss:
May 15, 2011