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Nuruypa A. is married and lives in Vozesenovka village with her family. She was born in a large family of farmers and from early childhood was engaged in looking after cattle. She graduated from medical college and worked as a nurse at the local hospital. In 1994, Nuruypa got married and soon gave a birth to two children. In order to find additional means of subsistence for her family, she decided to begin her business in cattle breeding. Owing to wide experience in this activity, Nuruypa managed to maintain the farm with two milk cows, two calves, one bull and five sheep. In order to enlarge the number of cattle, she obtained two loans from Bai Tushum and repaid them without any delays. With the revenues, Nuruypa was able to reconstruct one of the rooms in her house into a small shop with groceries and to buy a used car for the family The car was then adapted to taxi transportations by her husband. Unfortunately, in 2009, her husband met with a car accident and needed expensive medical treatment, which was paid through selling cattle.

Now Nuruypa is applying for a loan of 100,000 Kyrgyz Soms to buy tree bull-calves and purchase goods to enlarge inventory in her shop. Nuruypa is optimistic woman and believes that her tireless efforts will lead her family to a new prosperous life.

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
  • 82
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,773,000
    Funds lent in using Kiva
  • 46.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,150 helped Nuruypa to purchase cattle and supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 14, 2010
Nov 4, 2010
Currency Exchange Loss:
Nov 15, 2011