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Kulun K. is 62 years-old widow with eight grown children. The youngest son, in accordance with ancient kyrgyz tradition, lives with her and helps in the household. In order to find means of subsistence for her large family, in 1991 Kulun started her business in livestock breeding and cultivating of beans. She has worked hard developing her farm and today has two cows, two horses and twenty five sheep. Her business generates a profit of 7,500 Kyrgyz Soms a month through selling milk and meat products. Now Kulun plans to use the loan of 100,000 Kyrgyz Soms to broaden her business by purchasing 29 sheep. With the revenues from this investment, Kulun plans to reconstruct her house.

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
  • 85
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,751,450
    Funds lent in using Kiva
  • 46.8
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,150 helped Kulun to purchase cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 23, 2010
Dec 1, 2010
Currency Exchange Loss:
Dec 15, 2011