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Zamira M. lives in the north of Kyrgyzstan. She is 56 years old, married and has two grown-up children. She worked for 16 years in a kindergarten as a nurse and was one of the dearest friends to the children. Zamira’s husband is a metal turner.

The breaking up of the Soviet Union with its collective farm structure knocked many people out of their habitual way of life, but Zamira considered it a chance to renew her life. 19 years ago, in order to support her family, Zamira began her business of cattle breeding and farming. She purchased a desolate sheepyard, where her family started to breed livestock. Thanks to persistent work, their livestock expanded and today it amounts to two milch cows, one horse, and 20 sheep.

Zamira plans to use the loan of 55,000 KGS to broaden her business by purchasing 22 sheep. With the revenue from this investment, Zamira plans to renovate her sheepyard and buy a cart.

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
  • 72
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,318,175
    Funds lent in using Kiva
  • 46.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Zamira to purchase cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 16, 2010
Sep 6, 2010
Currency Exchange Loss:
Sep 15, 2011