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Saltanat K. is 41 years old. She graduated from Pedagogical Institute and currently works as a primary school teacher at the school in Besh-Kayindy village. Her colleagues characterize her as a very optimistic and responsible person. Saltanat has four children: her elder son studies at the Institute of Arts and dreams of being a famous musician and the others are schoolchildren.

Unfortunately, salaries of teachers in rural areas are low and do not cover the family’s expenses. For this reason, Saltanat started her own business in cattle breeding. She used 5,000 Kyrgyz Soms to purchase cattle for fattening, and she resold it at the local livestock market on weekends. Saltanat worked hard to make her business successful and today has three milk cows, seven goats and one horse. Using the revenues from selling fattened cattle, she was able to pay for the education of her elder son.

Saltanat plans to use the loan of 50,000 Kyrgyz Soms to broaden her business by purchasing sheep and bull calves. With the revenues from this investment, Saltanat plans to reconstruct her house.

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
  • $11,300,500
    Funds lent in using Kiva
  • 46.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Saltanat to purchase cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 30, 2010
Oct 15, 2010
Currency Exchange Loss:
Jul 15, 2012