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Elmira A. lives in Sokuluk village and is the single mother of two girls. Elmira works as a hairdresser, but her salary is low and does not cover all of her family expenses. Therefore, in 2005, Elmira started a business to create an additional means of income. She converted one of the rooms in her flat into a small shop and started selling groceries.

Elmira is requesting a loan of 60,000 KGS to use to expand the assortment of goods she offers for sale. With the revenue from the loan she plans to provide a good education for her children.

About Bai-Tushum and Partners:

Bai-Tushum and Partners uses Kiva funding to target especially vulnerable populations. It 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
  • 74
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,938,275
    Funds lent in using Kiva
  • 46.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Elmira to expand the assortment of goods for sale.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 28, 2010
Nov 4, 2010
Currency Exchange Loss:
May 16, 2012