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Nurzhan O. is 40 years old, married and has four children. Her husband works as an electrician and supports Nurzhan with the household.
In 1995, Nurzhan began to engage in stock-breeding using her 5,000 KGSsavings and bought only her first calf. Also, she decided to engage in cultivating land with potatoes.

Nurzhan is a real hard-working woman and is striving to provide her children with a better life leaded to success. Today she has two milk cows, two calves and a small barn for her cattle, whose milk she sells to her customers at the local market,.

Nurzhan will use this loan of 35,000 KGS to further broaden her business by buying one more cow. She expects for increasing the sales of milk and also to acquire new customers. With the revenues, she plans to provide a good education to her children.

Bai-Tushum and Partners uses Kiva funding to target the especially vulnerable population. Bai-Tushum and Partners is one of the leading Micro-finance Institutions in Kyrgyzstan. As a reliable financial partner, Bai-Tushum contributes to the economic development of the Kyrgyz Republic through the delivery of micro-finance 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
  • 82
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,773,000
    Funds lent in using Kiva
  • 46.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Nurzhan to purchase cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 16, 2010
Sep 14, 2010
Currency Exchange Loss:
Sep 15, 2011