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Roza's Group
In this Group: Roza, Mavlyuda , Dilmurot , Feruza
Roza H., leader of this group, is 23 and married. She is one of those lucky women who can be just a housewife because her husband is able to provide for the whole family. For now, they don’t have children but they are planning to have them in the near future. Her husband works as a taxi driver and provides for their family.

Roza applied for a loan in order to buy gold jewelry: a gold ring and a pair of earrings. She expects to repay this loan with the her husband’s help.

The other group members are:

Mavlyuda A. is treasurer of the group. She is 48 and divorced. She raised her three children alone when her husband left her. Now, her elder son is 25, her elder daughter is 29 and her youngest daughter is 15. Her elder daughter is married, her son works in Russia and her youngest daughter goes to school.

Fifteen years ago, Mavlyuda received some farmland and she decided to raise corn and cotton on it. She started with 700 soms and now it brings her 2,500 soms. With the profits from this she raised her children, married her daughter, and made capital repairs to her house.

Mavlyuda is applying for a loan in order to buy necessary things to sow corn. This loan would help her business to continue functioning and she would be able to make profits again. With the profits received, Mavlyuda is planning to pay for her son’s marriage, make capital repairs to her house and give her daughter an opportunity to study.

Dilmurot A. is 22 and single. He lives with his grandmother, uncle and sister. His grandmother is 72, his uncle is 35 and his sister is 19. His grandmother is a pensioner and receives a retirement allowance from the government; his uncle is a teacher at the local school and his sister looks after their house.

Right now, Dilmurot works at a repair shop where he and his students repair refrigerators and other devices. He opened his own repair shop three years ago with initial investment of 2,000 soms. He came to this idea when he was a student at another repair shop. Now his income is 3,000 soms a month.

In order to develop his business Dilmurot needs to buy motors for refrigerators. Therefore, he is applying for this loan. In the future, he is planning to expand his business, make capital repairs to his repair shop, and get married.

Feruza T. is 26 and married with three children: her daughter is 8 and her sons are 6 and 2. Her daughter goes to school and her sons go to kindergarten. Her husband is a teacher of biology and chemistry at the local school.

Feruza started her business by fattening a calf six years ago. From that moment on, she increased her head of cattle to one cow, one calf and three small cattle. She started her business with 7,000 soms and now makes 3,000 soms monthly.

Now, Feruza is planning to buy more small cattle to increase the number of her cattle and, to realize her intent, she applied for this loan. With the profits from her business, she is planning to rebuild her old house, pay for her sons’ circumcision and expand her cattle breeding business.

--- 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 the 3-Ps concept - People (building human capital and taking care of its customers and the society as well), Profit (to be profitable in order to grow further) and the Planet (taking care of the environment). It is also the only MFI in Kyrgyzstan that 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 from 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
  • 82
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,761,025
    Funds lent in using Kiva
  • 46.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Roza's Group's $650 loan helped a member to purchase a gold ring and a pair of earrings.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 17, 2010
Aug 25, 2010
Currency Exchange Loss:
Jul 15, 2011