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Shairbubu's Group
In this Group: Shairbubu, Raisa, Aijamal, Tatiyana
Thousands of citizens of Kyrgyztan emigrate to near and far away countries in search for work and to earn money. The count of citizens that left the country is already reaching hundreds of thousands. This situation is explained by very low living standards, absence of jobs and possibilities. Some time ago our country was known as another Switzerland, but now it cannot hold itself up to this honorable title. However, the common folk continues to live and relive its governments which come and go one after another.

Shairbubu Baydalitova is a leader of this group. She is 60 years old. Shairbubu has raised a son and a daughter. She is a widow and has lived with her son and daughter-in-law in the recent years. Shairbubu has an excellent apricot garden. She is receiving a pension in the amount of 2000 soms and takes care of the garden. Her daughter-in-law works as a teacher in school and receives a salary of 2000 soms, and her son works at the gas station. His salary is five thousand eight hundred soms. Shairbubu has used her very first loan to buy seedlings which she planted in the spring. Her risk was not in vain. At this time she has 370 trees in her garden. Shairbubu hopes to collect a good harvest from her garden. But before that she needs to take good care of the trees. She has come to apply for a loan for this reason. She will use the funds to buy a wire to install a fence for the garden.

Shairbubu's group partners are:

Raisa K. is 48 years old. Raisa is divorced and has one daughter who is already married and lives at home. Raisa does internet marketing. She sells cosmetic products of Faberlik brand and has an income of 4000 soms. Raisa has come to ask for a loan for personal use. Very soon she will need to meet her son-in-law's parents and she needs to be prepared.

Aijamal S. is 30 years old. She is married and has a daughter who goes to kindergarten. Aijamal's husband is in the military. He is serving as a top sergeant and receives a salary of ten thousand soms. Aijamal also needs a loan as she needs to get ready to meet her parents-in-law.

Tatyana K. is 49 years old. Tatyana's husband works as an electrician and receives a salary in the amount of 5000 soms. Tatyana works as school teacher. She has come to ask for a loan because she needs funds to buy building materials to build a shed in the yard.
View original language description ↓
Тысячи граждан Кыргызстана уезжают в ближнее и дальнее зарубежье в поисках работы и заработка. Счёт уехавших граждан уже идёт на сотни тысяч. Вся сложившаяся ситуация объясняется низким уровнем жизни, отсутствием рабочих мест и перспектив. Когда – то известная всему миру как вторая Швейцария, наша страна сейчас далеко не претендует на это почётное звание. Однако простой народ продолжает жить и переживать свои правительства, которые приходят одно за другим. Шайырбубу Байдалитова – лидер группы. Ей шестьдесят лет. Шайырбубу вырастила дочь и сына. Она вдова и последние годы она прожила с сыном и снохой. У Шайырбубу имеется отличный абрикосовый сад. Она получает пенсию в размере двух с половиной тысяч сомов и ухаживает за садом. Сноха работает учительницей в школе и получает зарплату в две тысячи сомов, а сын работает на заправке. У него зарплата составляет пять тысяч восемьсот сомов. На первый полученный кредит Шайырбубу закупила саженцы, которые весной посадила. Её риск был оправдан. Сейчас в саду триста семьдесят деревьев. Шайырбубу надеется получить хороший урожай с сада. Но прежде всего надо позаботиться о сохранности деревьев в саду. Для этого она и обратилась за этим кредитом. Полученные средства, она собирается вложить на закупку проволоки и установку забора для сада.
Партнёры Шайырбубу по группе:
Раисе Касеновой сорок восемь лет. Раиса разведена и у неё одна дочь, которая уже замужем и находится дома. Раиса занимается сетевым маркетингом. Она продаёт косметику фирмы «Фаберлик» имеет доход в размере четырёх тысяч сомов. Раиса обратилась за кредитом в потребительских целях. Скоро ей предстоит встречать сватов и надо готовиться.
Айжамал Сакыбаевой тридцать лет. Она замужем и имеет дочь, которая ходит в свдик. Муж Айжамал – военный. Он служит старшиной роты и получает зарплату в размере десяти тысяч сомов. Айжамал также нуждается в получении этого кредита, так как надо встречать сватов.
Татьяне Климовой сорок девять лет. Муж Татьяны работает электриком и получает зарплату в размере пяти тысяч сомов. А сама Татьяна работает преподавателем в средней школе. Татьяна обратилась за этим кредитом, так как ей нужны средства для покупки стройматериалов для пристройки во дворе.

--- 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
  • 85
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,751,450
    Funds lent in using Kiva
  • 47.0
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Shairbubu's Group's $1,500 loan helped a member to buy wire to install a fence.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jul 15, 2010
Jul 26, 2010
Currency Exchange Loss:
Jan 15, 2011