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Begaim S. is 44 years old and lives in Panfilovka village in the north of Kyrgyzstan. She graduated from medical college and currently works as a nurse in the local hospital. Begaim has two children: one daughter who is 19 and a son, 23 years old. Her husband works as a fireman in the local boiler house. Begaim has very close-knit family, where all members support and help each other.

In 2000, in order to cover the family’s expenses, Begaim decided to engage in cattle breeding, using an initial capital of 3,000 Kyrgyz Soms. She bought cattle and managed to enlarge her herd to four cows, two bull calves, and six sheep.

Begaim plans to use the loan of 80,000 Kyrgyz Soms to broaden her business by purchasing one milch cow and two bull-calves. With the revenues from this investment, Begaim plans to buy a car for her family.

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
  • 46.7
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,725 helped Begaim to purchase cattle.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 8, 2010
Nov 2, 2010
Currency Exchange Loss:
May 16, 2012