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Galina's Group
In this Group: Galina, Jazy, Tumara, Sandikul, Ulgeldi
The members this group live in Tup, which is located on the shore of the beautiful, high-mountain lake, Issyk-Kul. Here is where the river Tup runs into the lake. The landscape and the environment have shaped the lifestyle of the local population. Inhabitants primarily work in animal husbandry.

Galina J. is the leader of the group. Galina is forty-one years old. Galina has raised four children. This year Galina's family is having a special event. Her oldest daughter, who is eighteen, is starting college. The other three sons go to school in the tenth, fifth, and third grades. Galina's husband runs the family farm. The children help their father to look after the cattle and to do daily chores around the house. Galina has found a niche in the sale of milk, eggs, and various dairy products. Daily, she delivers nine or ten liters of milk, along with eggs and sour cream, to a local shop. From these sales, Galina earns about two thousand som every month. Galina has applied for this loan to buy household food supplies. With the money she makes, she is unable to buy goods wholesale. Galina has calculated her potential savings and they are considerable. She is used to doing this, and she knows she needs to start saving now to put her three sons through college.

Galina's partners in the group include:

Jazy K. is fifty-six years old. Jazy has been a widow for several years. Jazy has two children who, during their summer holidays, help their mother at home. Jazy works as a nurse. Jazy needs a loan to buy five sheep.

Tumara J. is forty-two years old. She is the mother of five children. She and her husband work in agriculture. They have land and a small herd of cattle. Tumara has applied for a loan since she needs to buy a hundred liters of diesel.

Sandikul I. is forty-two years old. Sandikul is raising seven children. The eldest son is already in college. To support seven children, Sandikul has opened a shop, and her husband works at home. Sandikul hopes to borrow money to buy currants and sugar for making preserves.

Ulgeldi U. is fifty years old. She is divorced and is raising one daughter. Ulgeldi works in library and, additionally, owns some animals. Ulgeldi hopes get a loan to buy five head of sheep.


--- 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.
View original language description ↓
Члены данной группы являются жителями с. Тюп, что находится на берегу высокогорного, красивейшего оз. Иссык Куль. Здесь также протекает река с одноимённым названием Тюп, которая впадает в озеро. Своеобразный рельеф и природные условия сами собой обозначили характер жизнедеятельности местного населения. Жители в основном заняты животноводством. Галина Джанжалова – лидер группы. Галине сорок один год. К этому возрасту, Галина воспитала четверых детей. В этом году в семье Галины особое событие – старшая дочь, которой уже исполнилось восемнадцать лет, поступает в ВУЗ. Остальные трое сыновей учатся в школе: в десятом, пятом и третьем классах соответственно. Муж Галины занимается крестьянским хозяйством. Дети активно помогают отцу ухаживать за скотом и в повседневных заботах по дому. Галина же нашла свою нишу в продаже молока, яиц и различных молочных продуктах. Она ежедневно сдаёт девять – десять литров молока, яйца и сметану в местный магазин. От продажи всего этого, Галина выручает около двух тысяч сомов ежемесячно. Причина, побудившая Галину обратиться за этим кредитом, заключается в том, что Галине необходимо закупить продукты питания для дома. С теми средствами, что у неё имеются, она не смогла бы купить продукты по оптовой цене. Галина всё подсчитала и надеется сэкономить значительные средства. Она привыкла так поступать, так как знает, что ей нужно заранее копить средства, чтобы обучить остальных троих сыновей в ВУЗах.
Партнёры Галины по группе:
Джазы Ковшановой пятьдесят шесть. Джазы уже несколько лет вдова. У Джазы двое детей, которые во время летних отпусков помогают маме по хозяйству, а Джазы работает медсестрой. Джазы нужен кредит, чтобы купить пять овец.

Тумаре Жороевой сорок два года. Она – мать пятерых детей. Вместе с мужем они занимаются сельским хозяйством. У них есть участок земли, а также небольшое поголовье скота. Тумара обратилась за кредитом, так как ей нужно купить сто литров солярки.

Сандикуль Иманкуловой сорок два. Сандикуль растит семерых детей. Старший сын уже учится в ВУЗе. Чтобы прокормить семью Сандикуль открыла магазин, а её муж занимается домашним хозяйством. Сандикуль надеется получить кредит и купить смородину и сахар для реализации.

Улгельди Уркумбаевой пятьдесят лет. Она разведена и воспитывает одну дочь. Улгелди работает в библиотеке и помимо этого , у неё имеется кое – какая живность. Улгельди надеется получить кредит и купить пять голов овец.

--- 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.

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

  • $2,100
    Average annual income
  • 153
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,141,850
    Funds lent in using Kiva
  • 47.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Galina's Group's $1,175 loan helped a member to purchase covenience goods: sugar and crops.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 20, 2010
Listed
Jul 26, 2010
Currency Exchange Loss:
Possible
Ended:
Feb 15, 2011