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Ozipa S. is a 61-year-old widow with five grown children. Her youngest son Ramil lives with her and helps in the household. In 1992, Ozipa began her own cattle breeding business with the purchase of two milk cows. She also started to cultivate vegetables on a plot of land. Since then, she has worked hard to improve her harvests and provide high quality products. Ozipa’s efforts have been focused on supporting and expanding her household. Currently, she sells milk products to the local diary factory and earns about 5,000 KGS a month.

Ozipa is requesting a loan of 50,000 KGS to buy milk cows. With the revenue from this investment, she plans to purchase a horse and a cart for transporting vegetables.

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 leads to increased employment and meets 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
  • 63
    View loans »
    Kyrgyzstan Loans Fundraising
  • $11,295,000
    Funds lent in using Kiva
  • 46.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Ozipa to purchase milk cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 9, 2010
Nov 17, 2010
Currency Exchange Loss:
Dec 15, 2011