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Nesipkul D. is 52 years old and was born in the village of Stepnoe, where she still lives today. She was born in a low-income family with many children. She graduated from secondary school, but could not continue her studies because she had to help in the house: she pastured the cattle and milked cows. When she was 19, she was given into marriage and moved to her husband’s home, where she still lives with the husband and his elderly parents. At the husband’s place, she continued to work around the house. At that time, the family had one milk cow and a plot of land where they cultivated clover and barley. Later, their livestock grew and they got sheep and a horse.

In 1980, Nesipkul gave birth to their only son. During all these years, their efforts were aimed on supporting and expanding their household and Nesipkul never dealt with any other business. Five years ago, the D.’s son married and moved out. In 2009, Nesipkul got a loan from another bank to buy a car. The loan was used as intended and was repaid without any delays.

Now Nesipkul requests a loan to buy five calves and to harvest clover and barley. It will allow her to further develop the business. In the future, Nesipkul plans to help her son to buy a home in the Stepnoe village so that he lives closer to them.

Additional Information

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.

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 loan of $2,575 helped Nesipkul to purchase cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 8, 2010
Jul 18, 2010
Currency Exchange Loss:
Jul 15, 2012