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Janyl S. is young farmer, who lives in Ak-Jar village, in the north –west of Kyrgyzstan. She is 28, married and has three children. Janyl graduated from medical college and works as a nurse at the local ambulance room. In order to find an additional means of subsistence for her children, Janyl decided to start her own business in cattle breeding. Using her initial capital of 3,500 KGS, she bought only one calf. Her start as an entrepreneur was successful due to strong efforts and today she has two milk cows, two calves, and three horses. Also, Janyl started to engage in bee-farming, which became her favorite activity. At present days, she has 12 bee-families and earns about 8,000 KGS monthly from selling the products of bee keeping.

Now Janyl applies for loan of 60,000 KGS to buy more milk cows that will allow her to increase milk sales and enlarge the number of customers.

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
  • 71
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,315,525
    Funds lent in using Kiva
  • 46.9
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Janyl to purchase cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 25, 2010
Sep 21, 2010
Currency Exchange Loss:
Sep 15, 2012