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Niymat R. was born and lived in the Republic of Tadjikistan. He grew up in a large family with 12 children. From early childhood he had to help his parents in the field where his family cultivated potatoes and cotton. After serving in the army, Niymat returned home and began to work as a builder. He was 27 years old when he married and soon became the father of twins – a boy and a girl.

Niymat didn’t want to stay to his native village because of civil war in Tadjikistan. He took his family and in 1999 moved to the central part of Kyrgyzstan, Ivanovka village. Using the money he had earned, Niymat bought a house and one bull-calf for fattening. Also, he planted vegetables--cucumbers, tomatoes, eggplants, and potatoes on the plot of land.

Niymat didn’t have any experience in cattle breeding, however within 10 years he multiplied the number of cattle. Today, he has one cow, two calves and one bull-calf. Being very purposeful and positive person, Niymat works hard to support his family.

Niymat plans to use this loan of 30,000 Kyrgyz Soms to increase the number of cattle. In the future, Niymat is planning to give higher education to his children and build a house for his son. He also plans to marry his daughter off and wants to see his grandchildren.

Bai-Tushum and Partners uses Kiva funding to target the especially vulnerable population.

Bai-Tushum and Partners is one of the leading Microfinance Institutions in Kyrgyzstan. As a reliable financial partner, Bai-Tushum contributes to the economic development of the Kyrgyz Republic through the delivery of microfinance services in rural and urban areas that lead to increased employment and meet the interests of its clients and investors.

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
  • $11,300,500
    Funds lent in using Kiva
  • 46.6
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Niymat to purchase cattle.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Aug 2, 2010
Aug 10, 2010
Currency Exchange Loss:
Aug 15, 2011