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Kalicha's Group
In this Group: Kalicha , Jamal , Argen , Baktygul
Kalicha B. is the leader of the group. She is 51 and married. She has two daughters and four sons. Kalicha is engaged in cattle breeding and her husband works as a constructor. Sometimes, if they need money to cover family expenses, Kalicha sells cattle.

With money received from the loan, she wants to purchase building materials. In the future, she wants to purchase a piece of land in Bishkek and start building a house there.

Jamal K. is the treasurer of the group. She is 41 and married. She has two daughters. Jamal is engaged in poultry and her husband went to work in Russia. Jamal started her business a year ago with the initial investment of 1,500 soms and now she makes 3,000 soms per month. With money received from the loan, she wants to start building a place to keep chickens. In the future, she wants to purchase a vehicle and a flat in Bishkek.

Argen K., 35, is married. He has two daughters and a son. Argen is engaged in cattle breeding. He started building a house for his family and he hopes to obtain the loan because he needs money to purchase construction materials in order to finish building a house.

Baktygul A. K., 25, is married. She has a daughter and two sons. Her husband works as a taxi driver. A year ago, with the initial investment of 50,000 soms, Baktygul rented a container and started to sell convenience goods from it. In this way, she makes 7,000 soms per month. With money received from the loan, she wants to purchase more goods in order to increase the turnover of her business.

Where Did This Loan Come From?

This loan is brought to you by Mol Bulak Finance (MBF), a young, ambitious and socially-focused microfinance institution in Kyrgyzstan.

MBF is strongly committed to the principles of sustainable development and upholds the triple "P" bottom line – People (building human capital and taking care of its customers as well as society), Planet (keeping environmentally friendly) and Profit (earning revenue to expand autonomously). MBF is the only microfinance institute in Kyrgyzstan that delivers its services to customers 365 days a year. To learn more about MBF and view a video presentation about the organization, please visit:

If you would like to support and learn more about Kyrgyzstan and microfinance in Central Asia, please join our Lending Team - Supporters of Kyrgyzstan – Mol Bulak Finance at Members will get special updates and news from Kiva Fellows in Kyrgyzstan and from the MBF 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
  • $10,773,000
    Funds lent in using Kiva
  • 46.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Kalicha's Group's $875 loan helped a member to purchase building materials.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 8, 2010
Oct 9, 2010
Currency Exchange Loss:
Aug 15, 2011