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Shadiya M. is 48 years old, married and has three children. From her childhood, Shadiya was eager to study and after finishing school, she continued her studies in Medical University. After graduating, she got a job as a pharmacist. When Shadiya was 22, she got married and soon gave a birth to her son and daughter.

In order to find a means of subsistence for their children, Shadiya and her husband went to Russia in search of a livelihood. After coming back, they were able to buy a house in Ak-Suu village. There, in 1995, Shadiya gave birth to her youngest son who is the main helper in all her activities. In order to find a means of subsistence for her family, in 2000, Shadiya decided to start her business with the initial capital of 15,000 Kyrgyz Soms. She opened a pharmacy in her village and became a person who is held in high respect by her fellow villagers. Also, in order to find additional earnings, Shadiya started to breed cattle, and with the revenues she was able to give a good dowry to her daughter.

Now Shadiya is applying for loan of 100,000 Kyrgyz Soms to raise her turnover, which will allow her to broaden her business. In future, she dreams of enlarging the numbers of pharmacies in order to help her customers to overcome their medical problems.

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
  • 53
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,291,700
    Funds lent in using Kiva
  • 46.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,150 helped Shadiya to broaden her business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 28, 2010
Nov 5, 2010
Currency Exchange Loss:
May 16, 2012