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Kyimat's Group
In this Group: Kyimat , Zulfiya , Elbek , Almaz
Kyimat G. is the leader of the group. She is 27 and married with 2 children. Her spouse is a farmer, cultivating rice and tobacco on the area of 1,3 hectares. First it was the area of 0,3 hectares, but now the family plantation consists of 0,3 hectares of tobacco and 1 hectare of rice. Out of business profits they have managed to build a house and to purchase a car and a calf. The loan purpose is to purchase doors and windows for the new house. In the near future, Kyimat is planning to buy a car and to increase cattle stock.

Zulfiya M. is the treasurer of the group. She is 43 and a widow, raising 3 children on her own. Her sons are engaged in farming while her daughter is married and lives separately from Zulfiya. The family business consists of the following: selling foodstuff and cultivating rice and tobacco on the area of 2,1 hectares. Profits have made it possible to open a shop and to purchase a cow. The loan purpose is to purchase foodstuff (30000 soms) in order to increase commodity circulation and also to make shop repairs (13000 soms). In the future, Zulfiya is planning to arrange her son’s wedding and to develop the business.

Elbek T., 25, is married. Together with his spouse, who is a house-wife, Elbek is raising one son. The family earns income by cultivating rice and tobacco on the area of 2,2 hectares. Out of business profits they have managed to obtain a motorcycle and to increase cattle stock. The loan purpose is to purchase fertilizer (500 kg) such as saltpeter for plantation tillage. In the future, Elbek is planning to obtain a car, to buy cattle, and to buy land for building a house.

Almaz P., 19, is married. A young head of the family, Almaz, together with his wife, is raising 2 daughters. His main source of income comes from cultivating rice on the area of 0,6 hectares. Out of profits the family has managed to purchase land for building a house. In order to harvest successfully, Almaz needs to purchase fuel (2000 soms) and pay for tractor services (3000 soms). He also needs 5000 soms for workers. For this purpose, he hopes to get a loan. In the future he wants to buy a car and cattle.

--- 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 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 88
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,983,350
    Funds lent in using Kiva
  • 46.4
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A portion of Kyimat's Group's $1,575 loan helped a member to purchase doors and windows.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 13, 2010
Oct 25, 2010
Currency Exchange Loss:
May 15, 2011